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Buying a House with a Conventional Conforming Loan in 2018. Conventional loans boast great rates, lower costs, and home buying flexibility. They are the loan option of choice for about 60 of all mortgage applicants. Conventional loans are also smart money loan philippines as conforming loans, since they conform to a set of standards set by Fannie Mae and Freddie Mac.
The following are highlights of this program. You can use a conventional loan to buy a primary residence, second home, or rental property Conventional loans are available in fixed rates, adjustable rates (ARMs), and offer many loan terms usually from 10 to 30 years Down payments as low as 3 No monthly mortgage insurance with a down payment of at least 20 Lower mortgage insurance costs than FHA Mortgage insurance is cancelable when home equity reaches 20 Get Free Quote.