Types of Mortgages

We offer comprehensive mortgage categories including conventional, FHA, VA, USDA, jumbo, and specialized types of residential loans. Each program is designed for different borrower situations, from first-time buyers to investors seeking types of real estate loans for portfolio expansion.

The amount you can qualify for depends on the type of mortgage, your income, credit score, debt-to-income ratio, and down payment. Our loan officers can evaluate your profile across multiple types of house mortgages to determine how much loan you can take and which program offers the best terms.

First-time buyers have access to various mortgage categories including FHA loans (3.5% down), conventional loans (3% down with special programs), VA loans (0% down for eligible veterans), and USDA loans (0% down in eligible areas). Each offers unique advantages depending on your situation.

Requirements vary significantly across types of residential loans. FHA accepts credit scores as low as 580, conventional loans typically require 620+, while jumbo loans often need 700+. Down payments range from 0% (VA/USDA) to 20%+ for some jumbo loans. Our experts help you navigate these different mortgage loans to find your best fit.

Refinancing options span all mortgage categories. Conventional refinances often offer the best rates for borrowers with strong credit, while FHA streamline and VA IRRRL programs provide simplified refinancing for existing government loans. We evaluate all types of real estate loans to identify your optimal refinancing strategy.