Differences between FHA and VA Government loans | MintRates – The two government-backed loan programs have distinctions. VA loans offer no down payments and a federal guarantee while FHA mortgages.
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Loan Programs | Capstone Home Loans – Conventional mortgage loans are not insured or guaranteed by the federal or state government, this makes it a higher risk loan for the bank, so the qualifications.
Government-backed loan – Howling Pixel – There are numerous types of government-backed loans, which vary dependent on the country and status of the borrower. Arguably, the most widely known type of government-backed loan is the US Federal Housing Administration FHA loan, in existence since 1934.
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Loans that are not government-backed are often referred to as conventional home loans, and these are insured by private finance companies, most notably Fannie Mae and Freddie Mac. These days, nearly two-thirds of mortgage originations are for conventional loans, though that percentage can change drastically over time, depending on economic conditions and policy changes.