I'm putting whatever ...WASHINGTON — I know where to get a guaranteed 6 percent return on savings, with no brokerage commissions, bank fees or worries that the Feds are going to have to swoop in and take over the failed institution that has my money. 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.