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A conventional loan generally refers to a mortgage loan that follows the. in order to reduce the risk of extending 100 percent loans to eligible rural homebuyers.

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I get 100% loans all the time but that is because I got a great buy and the ARV is 30 to 40% higher than what I paid for it.. so yes mine are 100% LTC but there is significant equity. if your getting 100% with no equity.. then that is special.. and or maybe they have other assets they can blanket and be comfortqable.. but my bank for sure wont.

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Another advantage of FHA loans is that FHA does not require a credit scoring item called a fico (fair issac company) score. So if you have no credit at all you may still qualify for a FHA loan. If you have some credit you will typically need a minimum middle credit score of 580 to qualify for a FHA loan.

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