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Explore Your Loan Options

Understanding Rate Structures

When diving into mortgages, your rate’s structure plays a pivotal role. This rate determines your yearly interest on the mortgage. Minor differences can lead to significant costs over the loan’s lifespan.

Typically, rates are categorized as “fixed” or “adjustable.” While most loan types provide these options, it’s essential to recognize the distinctions.

30 Year, 15 Year or 10 Year

Fixed-rate Mortgages

These offer a consistent interest rate throughout your loan’s term. Commonly available in 30-year and 15-year terms, they provide a stability few others can match.

Best for those who… Desire a consistent, lower monthly payment for the entire loan duration.

5-aRM, 7-ARM or 10-ARM

Adjustable-rate Mortgages

Adjustable-rate Mortgages or ARMs, starting with a lower upfront rate than fixed-rate ones, ARMs adjust periodically to mirror market conditions post the initial fixed phase.

Best for those who… Plan on holding the property for only the fixed duration or anticipate future rate reductions.

There Is a Home For Every Budget

Low and no-down payment loan options


  • Minimum credit score: 580
  • Down payments: As low as 3.5%
  • Continuous mortgage insurance needed

Best for those who… Struggle with credit scores or can’t manage a 20% down payment.


  • Exclusive to rural areas
  • Income and property value restrictions
  • Zero down payment necessity

Best for those who… Reside in eligible rural zones and seek no down payment loans.


  • Exclusive for military members and veterans
  • Zero down payment
  • No mortgage insurance

Best for those who… Are military members eyeing lower rates or no down payment mortgages.


  • Down payments as low as 3%
  • Minimum FICO score of 620
  • More favorable mortgage insurance requirements 

Best for those who…
have better credit and want to purchase a more expensive home than is allowed by FHA limits.

Conventional 97% LTV

  • Exclusively for first-time buyers with less funds for down payment
  • Cancellable PMI at 20% equity
  • No income caps

Best for those who… Have impressive credit and an income surpassing HomeReady restrictions.

Home for Every Budget

You don’t always need a significant down payment. With entities like FHA, USDA, or VA, or even specific conventional loans, many buyers can benefit. Our team, along with our network of partners, can service these types of loans for anyone who is eligible. 

Conventional Loans

are mortgage rates going down

A notable advantage is avoiding Private Mortgage Insurance (PMI) by making a 20% down payment. While options exist for lower down payments, reaching this 20% threshold can yield significant long-term savings. For borrowers with a minimum of 10%, the piggyback option is available as an strategy to avoid PMI.

Conventional loans are favored by many due to their clear credit score guidelines. Most lenders require a credit score around or above 620. This score becomes the key determining factor for loan eligibility.

The intricate relationship between credit scores and interest rates in conventional loans cannot be overstated. Higher scores often mean lower interest rates, as lenders associate these scores with decreased risk.

The hallmark of conventional loans is their down payment flexibility. Options can start as low as 3%, accommodating diverse financial situations for various borrowers across the board.🙂

Conventional loans have loan limits that can vary based on the country and property type—whether it’s a single-family residence (SFR), 2-unit, or even 4-unit properties. 

Loans Up to $5M

Non-conforming loan options and investment properties

Considering premium homes or investment properties? Jumbo or investment property loans might fit your needs. Mortgage values above $726,200 (in most counties) are considered “non-conforming,” needing a Jumbo Loan.


Jumbo Loans are for purchasing a property for for which loan amount is exceeding loan limits sets by the Federal Housing Financing Agency (FHFA).

Investment Properties

Investment Loans are for purchasing a property for the purposes of generating income, rather than a primary residence home purchase.

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