Is your situation fairly simple? No adverse credit events in the recent past, good credit score, and at least 3% for a down payment? Conventional may be the best way for you to go.

Conventional loans can be used for either purchase or refinance, either rate & term or cash out, that are not insured by a government entity, but conform to the guidelines of either Fannie Mae or Freddie Mac.

They may have either a fixed or adjustable rate. Loan amounts can go up to $690,000 in San Diego County.

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