Conventional loans are a traditional mortgage option. Learn what a conventional home loan is, how it works and common lender requirements in our guide.

Jun 16, 2025 · What Is a Conventional Loan? A conventional loan is a mortgage that's not backed by the federal government – unlike FHA, VA and USDA home loans.

Dec 4, 2025 · But the simplest definition of a conventional loan is a mortgage that isn’t guaranteed or insured by the U.S. government. As they’re the most popular financing option for home …

Jul 10, 2025 · From terms to qualifications, here is everything you need to know about conventional loans — the most common type of mortgage.

Dec 29, 2024 · Conventional loans are not offered or secured by a government entity. Instead, these mortgages are available through private lenders, such as banks, credit unions, and …

What Is a Conventional Loan? A conventional loan is a type of mortgage that isn't guaranteed or insured by the government. In other words, conventional loans are originated, backed and …

Oct 16, 2024 · There are two main categories of conventional loans: Conforming loans have maximum loan amounts that are set by the government. Other rules for conforming loans are …

Oct 31, 2025 · Borrowers can use conventional mortgages to finance a range of residential properties, including primary residences, vacation homes and Investment properties. Typically, …

Conventional mortgages aren't federally guaranteed. Qualifying can be tougher than with government loans, but the options fit a wider range of buyers and properties.

What is a conventional loan? A conventional home loan is a type of mortgage that’s not directly insured by a government agency. Instead, these loans are supported by government …