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why would a buyer want to get pre-approved does the buyer have to put 20 down why would I talk to different banks out getting a home loan last week in this three-part series we answered some of your questions but we will have more answers for you today so lets get down to the nitty gritty hi Im Laura Klute with Ozark Gateway Realty and I work with Lakefront sellers who are animal owners Im here with Michelle Linehan the senior mortgage loan originator at Centennial Bank Michelle what are some lending questions that you hear a lot well one of them is you know what about the different programs right what makes a buyer choose one loan programmer over another say youre a veteran why would you choose to do VA over say FHA or a conventional loan and there are a lot of programs out there you know conventional mortgage is the one thats kind of a I call it the plain vanilla loan you know generally speaking people think of it as 20 down you dont have any mortgage insurance which will go i