A conventional mortgage simply means it is a mortgage not associated with FHA or VA. They are called conventional loans because they adhere to the conventional standards within legal limits of mutual consent of the lender and the borrower. 

Conventional mortgage loans allow you flexibility in some areas where FHA and VA loans cannot. Such as your loan term and down payment. You can choose how many years you have your mortgage loan, also known as the term. There are typically 10, 15, and 30 year term options available. You also have some flexibility in how much you would like to pay towards a down payment and can put as little as 5% down towards the purchase of your primary residence.


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