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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.
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