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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.
Last week’s data was really impacted by comparisons to Labor Day weekend in 2025
President urged the Federal Reserve to cut rates after August payrolls rose by 162K and unemployment held at 4.1%
Deal brings Fannie, Freddie and Ginnie execution plus MSR book
Mortgage rates have a long and storied past with the monthly jobs report. Officially titled "The Employment Situation," the Bureau of Labor Statistics'…
ICE arrests rose from 32,545 in May to 49,571 in July; homebuilders cite delays, higher bids, and missed closings in some markets
A lot is priced into the markets now, as the bond market did the heavy lifting for the Fed
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