A conventional loan is a loan that is not a part of a specific government program and not insured by the U.S. Government. Conventional loans typically cost less than FHA government loans but can be more difficult to get. Conventional loans offer quite low interest rates to the borrowers with excellent credit scores and are set by Fannie Mae or Freddie Mac’s guidelines. At UniqLend, we offer many conventional loan programs such as:

  • Fixed rate from 10 to 30 years
  • Adjustable-rate: 3/1, 5/1, 7/1 and 10/1 ARMS along with a 5/5 ARM option
  • Freddie Mac Home Possible
  • Fannie Mae HomeReady


  • 620 minimum FICO score
  • Up to 97% LTV