Conventional Loans:

Conventional loans are mortgage loans offered by non-government sponsored lenders.  Conventional loans include Fannie Mae and Freddie Mac loans that you hear about. 

If you have 20% equity on a refinance or purchase, this is the way to go!  Conventional loans offer great rates with no Private Mortgage Insurance if there is at least 20% down.  This allows you to have the lowest payment possible. 

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