Traditional Mortgages
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Conventional Loans
Conventional loans are mortgage loans that are not guaranteed or insured by a governmental agency such as the Federal Housing Administration (FHA) or Veterans Administration (VA). They come in both Fixed and Adjustable rates with flexible loan terms.
Key Considerations:
- A great option if you will be in your home for a while
- Terms that may let you pay off your mortgage sooner
- You can choose from a variety of terms
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Veteran Affairs (VA) Loans
A Veteran Affairs loan offers veterans little to no down payment on a home purchase.
Key Considerations:
- You’re a U.S. Military Veteran
- You’re currently serving in the military or military reserves
- You may be eligible if you are a commissioned officer of the Public Health Service
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Federal Housing Administration (FHA) Loans: Lower Down Payment Option
A FHA loan is the perfect government-insured loan option if you are looking to refinance or buy a home with a low down payment.
Key Considerations:
- You want to buy a home with a low down payment
- You’re a first-time homebuyer
- You have a qualifying income
- You want to refinance your existing loan at a lower rate
- Sellers can pay closing costs up to an amount equal to 6% of the sales price/value
- You have low or no credit
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Need home insurance?
If a storm, theft or fire ever did strike, homeowners insurance would help by paying the cost to repair or rebuild your home and replace your belongings.
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Fixed-Rate Mortgages
A Fixed-Rate mortgage features predictable and steady monthly payments with flexible loan terms.
Key Considerations:
- You’re planning to be in your home for the next 10+ years
- You’re looking for a mortgage that has a monthly payment that does not change
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Adjustable-Rate Mortgages
An Adjustable-Rate Mortgage benefits those who need initial lower payments and interest rates.
Key Considerations:
- You’re planning to be in your home for a shorter term, 10 years or less
- You expect interest rates to remain stable or decline
- You want a lower initial monthly payment and don’t mind a variable interest rate
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Jumbo (Non-Conforming) Loans
A Jumbo Loan is perfect for those who like to dream big and need mortgage amounts over $726,200.
Key Considerations:
- You want to borrow more than $726,200
- Fixed and adjustable-rate loans available
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Home Equity Loans
A Home Equity Loan is when you use your equity in your home as collateral to borrow money. These can be used for:
- Education
- House Projects/Renovation
- Debt Consolidation
- Celebratory events, like weddings
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