 You have what you call conventional lending. That's your Fannie Mae, Freddie Mac loans. They're guidelines. They're quasi-governed agencies. But that's conventional. That's when you have the 700-plus credit score. You're getting a Fannie or Freddie loan. It's your first mortgage. Then you have FHA. Most first-time homebuyers get FHA. It's a little easier to qualify. Credit score is in the 600s.