Robert McLister·General·March 26, 2012Low-Ratio Mortgage A mortgage loan that is no more than 80% of the value of a home. Low-ratio mortgages are sometimes referred to as “conventional mortgages.” Unlike most high-ratio mortgages, low-ratio mortgages are not required by law to carry mortgage default insurance. However, lenders often insure them anyway to lower their risk, facilitate securitization or reduce their capital requirements. Like news like this?Join our CMT Updates list and get the latest news as it happens. Unsubscribe anytime. SUBSCRIBE! Thank you for subscribing. One more step: Please confirm your subscription via the email sent to you.