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Conventional loans are mortgage loans that are not insured or guaranteed by a government agency, typically requiring higher credit scores and down payments based on the lender's private guidelines.

FHA loans are mortgage loans insured by the Federal Housing Administration (FHA) that enable borrowers with lower credit scores and smaller down payments to qualify for homeownership with more flexible lending requirements.

VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs (VA) that offer favorable terms and benefits to eligible military service members, veterans, and their spouses, including no down payment requirements and competitive interest rates.

USDA loans are mortgage loans backed by the United States Department of Agriculture (USDA) that offer affordable financing options for low- to moderate-income borrowers in rural areas, providing 100% financing and flexible eligibility criteria.