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on this board we're talking about some key notes for the mlo tests what are some general characteristics of conventional loans well in general the maximum housing expense ratio for a conventional loan is 28 and in general the maximum total obligations ratio for a conventional loan is 36 and regarding down payments if the borrower is a first time home buyer then the minimum required down payment is three percent for a conventional loan if the borrower is not a first-time home buyer then the minimum required down payment for a conventional loan is five percent regarding seller concessions regarding a conventional loan well if the ltv is more than 90 then the maximum seller concession is three percent in general if the ltv is more than 75 but not more than 90 then the maximum seller concession on a conventional loan is six percent and if the ltv is 75 or under then the maximum seller concession for a conventional loan is nine percent and it's the property now by the way um

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