Mortgage and Loan Options
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Compare Loan Options
Home loans aren’t always one-size-fits-all. Whether you’re a first time homebuyer or refinancing your home to save on your monthly payments, I have a wide range of mortgage options to suit your unique needs. See the details below to compare a few key components over a range of mortgage options.
Loan Options
Low Down Payment
Fixed Rate Option
Flexible Terms
Easier To Qualify
A conventional loan is not insured or guaranteed by the federal government, which makes it different from programs like VA, USDA and FHA. These flexible loans allow borrowers to get low rates and often avoid mortgage insurance with a higher down payment.
A Jumbo Loan is a non-conforming loan used to finance a larger home that’s above the conforming loan limits traditionally accepted by government-sponsored enterprises. A Jumbo Loan allows a borrower with a high credit score and healthy reserves to secure financing for a larger home.
The Federal Housing Administration (FHA) mortgage program is managed by the Department of Housing and Urban Development (HUD), which is a division of the federal government. While these kinds of loans are typically most popular with first-time homebuyers, FHA loans are available to all types of borrowers.
The U.S. Department of Veterans Affairs’ VA loan programs are intended for military service members and their families. Being a government-backed mortgage means that the VA will reimburse the lender for any losses that may result from borrower default, allowing lenders to finance up to 100% of the property’s value.
The United States Department of Agriculture (USDA) offers a loan program for borrowers who meet certain income requirements and live within designated “rural” areas. This type of mortgage loan is designed for borrowers who have a steady, low or modest income, and yet are unable to secure a conventional loan. There are income restrictions on these types of loans, which vary by county.
If you’re looking to purchase a single-family, town home, condo, or multi-unit property with the intention of earning a return on the investment, an investment loan may be just what you need.
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