Conventional Loan

Conventional Loan

A mortgage not backed by a government agency. Typically requires good credit and a moderate-to-high down payment.

FHA Loan

FHA Loan

A government-backed mortgage that allows low down payments and flexible credit requirements. Ideal for first-time or lower-income homebuyers.

VA Loan

VA Loan

A zero-down mortgage for eligible U.S. military service members, veterans, and certain spouses. Offers favorable terms with no mortgage insurance requirement.

USDA Loan

USDA Loan

A zero-down loan for low-to-moderate income buyers in rural and some suburban areas. Backed by the USDA with low interest and insurance costs.

Jumbo Loan

Jumbo Loan

A high-value mortgage for homes exceeding conforming loan limits. Requires excellent credit, larger down payments, and strong financials.

Fixed-Rate Mortgage

Fixed-Rate Mortgage

A home loan with an interest rate that stays the same for the entire loan term. Provides predictable monthly payments and long-term stability.

Adjustable-Rate Mortgage

Adjustable-Rate Mortgage

A mortgage with a fixed interest rate for an initial period, then adjusts periodically. Offers lower initial rates but has payment fluctuation risks.

Interest-Only Mortgage

Interest-Only Mortgage

Allows you to pay only interest for a set initial term. Monthly payments rise sharply once principal repayment begins.

Balloon Mortgage

Balloon Mortgage

A short-term loan with low payments and a large final payment (balloon) at the end. Suitable for temporary home ownership or investment strategies.

Reverse Mortgage

Reverse Mortgage

A loan that lets seniors 62+ convert home equity into income. Repayment occurs when the homeowner moves, sells, or passes away.

Construction Loan

Construction Loan

A short-term loan to finance the building of a new home. Converts to a regular mortgage after construction is complete.