Compare Loan Types

Details of Loan

• 30-, 25-, 20-, 15- and 10-year terms are all available at a fixed rate.
• Buy a home with as little as 5% down (primary home).
• Refinance up to 95% of your primary home’s value.
• Monthly mortgage payments remain the same for the entire loan term.

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Learn More About Fixed Rate Loans

• 3/1, 5/1, and 7/1 ARM‘s. Monthly payments based on a 30-year repayment schedule.
• Provides veterans with flexible lending options and loan security.
• The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

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Learn More About ARM Loans

• 3.50% down payment required on purchase.
• The minimum credit score required is usually 620.
• Post-bankruptcy qualifying – 2 years after.
• Post-foreclosure qualifying – 3 years after.

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Learn More About FHA Home Loans

• Competitive interest rates are routinely lower than conventional rates.
• Sellers can pay up to 6 percent of closing costs and concessions.
• Higher allowable debt-to-income ratios than for many other loans.
• 0% down payment required on purchase.

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Learn More About VA Loans

• Specialized loan for seniors 62 and older.
• A reverse mortgage allows seniors to access a portion of the equity in their home.
• No Monthly Mortgage Payments Ever.
• Borrowers maintain title and ownership of their home.
• The borrower must continue to pay for taxes and insurance, home maintenance, and otherwise comply with the loan terms.

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Learn More About Reverse Mortgages

• Specialized loans for non-qualifying borrowers.
• Typically, do not need to provide income or employment verification
• Ideal loans for folks with bad credit, or business owners who do not qualify dye to business tax write-offs
• Most Non-QM loans are best suited for investment type properties
• Can be based on portfolio, asset or bank balances to get qualified

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Learn More About Non-QM Loans