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Mortgage Options

The kind of mortgage you choose has a big impact on how much you end up paying—how much you’ll have to pay upfront, your monthly payment amount, and the total cost of your loan over time. It also affects the level of risk you take on. Knowing what kind of loan is most appropriate for your situation prepares you for talking to lenders and getting the best deal.

high rise townhomes
sign out with a sold sign with approved credit
2 story white house
dreamy living room with wood floors

Conventional Fixed-Rate Mortgages


The lowest fixed interest rates for eligible buyers.

Rates and more info

  • Best fixed rates

  • No Surprise in rate.

  • Perfect chose for permanent home owners

  • Have an established credit history

  • Can put at least 5% down on a home


FHA Mortgages


Government-backed mortgage with more forgiving guidelines

Rates and more info

  • Credit score as low as 580 and up

  • Flexible qualification requirements

  • Low closing costs

  • 3.5% down payment

  • Don't have an established credit history or have experienced credit challenges in the past


VA Loans


Government-backed loans for active or retired military veterans.

Rates and more info

  • Very little or no down payment

  • No mortgage insurance 

  • Flexible qualification guidelines

  • Fixed-rate and ARM options

  • Are an active military member or veteran

  • Are the surviving spouse of a service member who died as a result of military service

USDA Loans


Mortgages backed the U.S. Department of Agriculture as part of its USDA Rural Development Guaranteed Housing Loan program

Rates and more info

  • $0 Cash down

  • NO mortgage insurance

  • 50% of the area median income very low, while low sits between 50%-80%

  • borrowers to have at least a 620 score

  • Guarantee Fee rolled into the loan amount (102 percent financing)


Jumbo Mortgages


The lowest rates for higher-priced properties.

Rates and more info

  • Increased purchase limits

  • Competitive rates

  • Fixed-rate or ARM options

  • Are buying a home that exceeds conforming loan limits ($417,000 in most areas)

  • Have an established credit history

  • Can put at least 20% down on a home


Investment Property Loans


Financing for properties that generate income.

  • Financing for residential rental property or 1-4 units

  • A variety of loan options to choose from

  • First time landlord or multiple property owner

  • Are buying a second home

  • Decide if you want to invest short- or long-term

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