Forest Rhodes photo. Tears shed over Fallbrook real estate values may be likened to a breathtakingly beautiful, greatly admired actress with one giant, sparkling-clear crocodile slowly trailing its way down her flawless face. In other words, as ... Loans that aren't insured by the government are called conventional mortgages. The government-insured loans may be more attractive in terms of low down payment requirements but they may be more restrictive. The main advantage of applying for online mortgages is their convenience.