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A conventional loan, which includes both conforming and non-conforming loans, can provide you with anything from a one year ARM to a 30-year fixed and everything in between. Conventional mortgages are not capped at a certain loan limit, assuming they are non-conforming. For jumbo loans, a conventional mortgage will be the only way to obtain financing. Usually a conventional loan requires a 20% down payment, however some lenders can go as low as 5% down.