Conventional

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Conventional mortgages are a type of  loan not offered or secured by a government entity. That means it is not backed by the Federal Housing Administration (FHA), the USDA Rural Housing Service, or the U.S. Department of Veterans Affairs (VA). Instead, it is guaranteed by a private lender like a bank or mortgage company or one of the Congressional-chartered private companies: the Federal National Mortgage Association  the Federal Home Loan Mortgage Corporation.