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Which Loan is Right for You?
Every borrower's situation is different.
Conventional
Best for borrowers with good credit (680+) and at least 3–20% down.
- No upfront mortgage insurance
- PMI cancels at 20% equity
- Loan limits up to $806,500
- Best rates for 740+ credit scores
FHA
Ideal for first-time buyers or those with lower credit scores.
- As low as 3.5% down (580+ credit)
- More flexible debt-to-income rules
- Annual MIP: ~0.55% of loan balance
- Great for 580–680 credit range
VA
Exclusive benefit for veterans, active-duty, and eligible surviving spouses.
- 0% down payment required
- No private mortgage insurance
- Often the best rates available
- One-time VA funding fee
USDA
Backed by the U.S. Department of Agriculture for rural and suburban homebuyers.
- 0% down in eligible areas
- Income limits apply
- Property must be in USDA-eligible zone
Jumbo
For loan amounts above conforming limits ($806,500 in most counties).
- Typically requires 10–20% down
- 720+ credit score preferred
- Higher loan amounts –luxury & high-cost markets
ARM Loans
Start lower than fixed rates, then adjust periodically after the initial period.
- 7/6 ARM: fixed 7 years, adjusts every 6 months
- Lower initial rate
- Good if you plan to sell or refi within 7 years
Common Questions
- Conventional: 620 minimum, best rates at 740+
- FHA: 580 with 3.5% down
- VA: No official minimum, most lenders prefer 620+
Mortgage Rate Trends
Source: Freddie Mac & U.S. Treasury via FRED
Rate chart unavailable.
Mortgage Rate News
What is happening with mortgage rates and what it means for your purchase or refinance.
Officials are seeking an administrator to guide participants through the process
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Deal is expected to close by the end of 2026
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