Government Loans

The US Government does not lend money to the borrower. Instead, it promises to repay some or all the money to the lender in the event that the borrower defaults. This reduces the risk for the lender when making a loan. FHA “insures” the loan while VA “guarantees” the loans.

Conventional Loans

Conventional mortgage loans must adhere to guidelines set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) and are available to everyone, but they are more difficult to qualify for than VA and FHA loans.


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