The rates will be extremely low and with the requirement of at least 20% down, there will not be any private mortgage insurance to pay. A second mortgage that can be 15%, 10%, or 5%, depending on down payment requirementsįor people that wish to invest in property, a conventional loan is currently the best alternative.A first mortgage that is 80% of the purchase price.The combo loans will provide the borrower with two separate mortgages: This is a great way to avoid paying Private Mortgage Insurance. If you have great credit and a bit of money saved up, it is likely that one of these conventional loans is perfect for you. Conventional loans by Fannie Mae and Freddie Mac are available to a wide range of consumers in order to fit multiple situations.
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