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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
Fixed rate mortgages with various term options
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
Fixed rate mortgages with various term options
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
Features:
Available for loans that exceed typical conventional loan limits
Fixed rate mortgages with various term options
Can be used to purchase primary homes, investment properties and vacation homes
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