LOAN PRODUCTS

FHA Loan

Helps make home ownership possible for borrowers who don’t have a large down payment saved up and may not have a strong credit score. You’ll need a minimum FICO score of 580 if you wish to go with the minimum 3.5% down payment.

Jumbo Loan

Makes sense for more affluent buyers purchasing a home above the conforming loan limit. Borrowers should have good to excellent credit, high incomes and a substantial down payment.

Conventional Loan

Ideal for borrowers with strong credit, a stable income and employment history, and a down payment of at least 3 percent.

Fixed Rate vs. Adjustable Rate Loan

If you plan to stay in your home for at least 7-10 years, a fixed-rate mortgage offers stability with your monthly payments. If you don’t plan to stay in your home beyond a few years, an adjustable-rate mortgage could help you save big on interest payments.

VA Loan

Provides flexible, low-interest mortgages for members of the U.S. military (active duty and veterans). VA loans do not require a down payment or PMI.

USDA Loan

Helps moderate- to low-income borrowers purchase a home in a USDA-eligible area. You must meet certain income limits to qualify. Some USDA loans do not require a down payment for eligible borrowers with low income.

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