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Secure Your Best 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.
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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