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Which Mortgage is Right for Me?
Conventional Loans
Features:
Fixed or adjustable-rate mortgages with various term options
Loans meet the income and minimum 5% down payment requirements set by Fannie Mae and Freddie Mac
Available for primary residences, second homes and investment properties
Borrowers who put at least 20% down don't have to pay for mortgage insurance
FHA Loans
VA Loans
Features:
Government-insured mortgage issued by the Federal Housing Administration
15 and 30-year fixed-rate terms
Lower credit and income requirements
Low down payments
Require FHA mortgage insurance
Features:
Designed for U.S. veterans, active duty service members and widowed military spouses
Must be primary residence
100% financing with no down payment required
Lower credit and income requirements
USDA Loans
Features:
100% financing with no down payment required
30-year loan terms with fixed interest rates
Loans are insured through the USDA loan program
Must be primary residence
Home must be located in an area eligible for USDA financing
Jumbo Loans
Doctor Loans
Features:
Availalbe for loans that exceed typical conventional loan limits
Can be used to purchase primary homes, investment properties and vacation homes
Fixed or adjustable-rate mortgages with various term options
Features:
Designed for qualified medical professionals who have recently completed a medical residency or clinical fellowship program
Must be primary residence
Student loan debt will not be considered in the debt ratio with 12-month evidence of deferment
As little as 3% down payment in many situations
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