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Conventional
What It Is
A mortgage not backed by the government. Typically for borrowers with solid credit and stable income.
Best For
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Buyers with 620+ credit score
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Stable W-2 income
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Primary homes, second homes, or investment properties
Key Highlights
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Down payment as low as 3%
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No upfront mortgage insurance
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PMI can be removed later
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15, 20, 30-year fixed options
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Adjustable-rate options available
Why It’s Popular
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Lower overall long-term cost for strong borrowers.
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