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For example, with a 31 ARM loan, the 3 in the name indicates that the loan has a fixed interest rate for the first three years. Afterward, the rate is adjusted on a yearly basis, as indicated by the 1. Conventional mortgage. This is a mortgage loan that is issued with no government backing. A conventional mortgage might come with a fixed rate or an adjustable rate.
Government-insured mortgage. This is a mortgage that is backed by the government, such as Citibank personal loan not approved Housing Administration (FHA), the U. Department of Veterans Affairs (VA), or the U. Department of Agriculture (USDA).
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