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Conventional Loan

Conventional loans are not insured by the FHA or VA. Interest rates for conventional loans are usually some of the lowest available. These are generally a good option for home buyers with a stable employment history and higher credit score.

 
 
 
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Jumbo Loan

Jumbo loans are those with larger loan amounts for luxury properties and homes in high-cost areas. Generally, any loan that is over the high–cost loan limits set by the Federal Housing Finance Agency (FHFA) is considered a Jumbo loan.

 
 
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FHA Loan

An FHA loan is partially insured by the Federal Housing Administration (FHA), an agency created to help borrowers and businesses recover from the Great Depression. The FHA’s insurance lessens a lender’s risk when offering loans to buyers with imperfect credit and/or limited funds for a down payment.

 
 
 
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VA Loan

VA loans are partially insured by the U.S. Department of Veterans Affairs (VA) and are available to borrowers who are military veterans or active servicemen and women. This federal insurance enables lenders to offer easier qualifying guidelines and low down payment options.

 
 
 
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USDA Loan

USDA loans are designed for borrowers in rural locations who do not qualify for a conventional loan. They feature relaxed qualifying guidelines and low down payments. Subject properties must be in a rural area designated by the US Department of Agriculture.