I believe so..usually you can get a better locked in rate and a longer period of time to pay it back. Also there are a variety of different programs that can be combined with the mortgage loan to help you save when buying a home.
If you can get a better interest rate with a regular loan and don’t mind paying it back in a shorter period of time then that may be the way to go in your particular situation
I understand Lora, whichever way that resonate with you.
Yes whatever way works best for you!

Thank you Lora. But what about the interest rate on the repayment in comparison to the normal loan? Otherwise thanks for your good comment.