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Down payment requirements can vary based on the lender as well as the borrowers credit history. Conventional loans tend to have a higher out-of-pocket cost at closing than other types of mortgage loans. In addition to the down payment, borrowers are often responsible for origination fees, mortgage insurance and appraisal fees. As such, conventional loans tend to have a higher out-of-pocket cost at closing than other types of mortgage loans.
Conventional Loan Requirements and Conventional Mortgage Guidelines | 2018. What is a Conventional Loan. A conventional loan by definition is any mortgage not guaranteed or insured by the federal government.
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