Conventional
A conventional loan is a type of mortgage that is not guaranteed by the government. Instead, the loan is backed by private lenders and typically guaranteed by two main government-sponsored enterprises; Fannie Mae and Freddie Mac. Conventional loans offer more flexibility and are more common than government-backed financing.
FHA
A Federal Housing Administration loan, or FHA loan, is a government-backed mortgage. An FHA loan provides consumers an with lower credit scores, lower down-payment or equity, and higher debt-to-income ratios. These loans are fixed-rate mortgages with less flexibility which require mortgage insurance for a fixed period of time.
VA
A Veterans Affairs Loan, or VA loan, is a government-backed mortgage for those who have served in the United States military. VA loans are an excellent alternative to a conventional mortgage that offers no down payment or equity and no mortgage insurance. The VA does have strict guidelines for the type of property being financed.
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