Types of Home Loans

Conventional Mortgages

Conventional mortgages are one the most common type of mortgages. Because of this, conventional loans have more stringent controls on your credit score and your debt-to-income (DTI) ratio.

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Jumbo Loans

One of the essential elements of buying a home is recognizing the type of mortgage that fully satisfies your needs. You may want a jumbo loan to buy the house of your dreams.

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Fixed-Rate Mortgages

A fixed-rate mortgage holds the equivalent interest rate and principal/interest payment during the loan duration. The price you pay per month may vary due to changes in property tax and insurance rates, but primarily fixed-rate mortgages award you a very anticipated monthly amount.

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Adjustable-Rate Mortgages

The reverse of a fixed-rate mortgage is an adjustable-rate mortgage (ARM). ARMs are 30-year mortgages with interest rates that adjust depending on how market prices move.

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FHA Loans

FHA loans are insured by the Federal Housing Administration. An FHA loan can allow you to buy a home with a credit score as low as 580 and a down payment of 3.5%.

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USDA Loans

USDA loans have lower mortgage insurance requirements than FHA loans and can allow you to buy a home with no money down.

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VA Loans

A VA loan is a prime benefit of military duty for qualified veterans, service members, and surviving spouses. It enables you to qualify for a low-cost mortgage when you’re contemplating buying or refinancing a home, even if your credit isn’t ideal.

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Contact us at America’s Best Lenders by submitting an online inquiry or call us today.

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