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Loan Types

Secure Your Best Mortgage

Home Owners

Conventional Mortgage

This is the most commonly used type and usually has the best rates.  You’ll typically need at least 3-5% for a down payment and good credit. Can be for 15 or 30 years or “interest only” where you are not paying any principal in your payment.

Key in the Lock

FHA Mortgage & VA Mortgage

Thought of as the first time home loan program but actually available to anyone. The down payment is only 3.5% and is more forgiving of lower credit scores. The interest rates are not as attractive as Conventional, but qualifying for the loan isn’t as tough either. 

VA Loans - Zero down payment loan, but you must be a veteran.


USDA Rural Housing Mortgage

This USDA Mortgage Loan can only be used in designated areas & towns, but their definition of rural may be more flexible than you think.

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