Conventional Loans:  Loan option with as little as 5% down and 20%+ down and you pay no Private Mortgage Insurance.  This program has competitive rates for those with credit scores over 720 but can be as low as 620 but with higher rates so FHA may be a better option.

Conventional loans are mortgage loans offered by non-government sponsored lenders. These loan types include:

• Fixed Rate Loans
• Adjustable Rate Loans (ARMs)
• Combination (Hybrid) Loans
• Jumbo / Construction Loans

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