Potter, the mean banker, quizzing Pa Bailey, the idealist from the building and society. There on the television was Henry F. International Herald Tribune - NEW YORK : I knew it was the Christmas season. "Have you put any real pressure on these people of yours to pay those ... 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.