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Estimate your mortgage payment with taxes, insurance, and HOA. Down Payment %, Loan Term, PMI, and Loan Limits in Home Loan Products description below.
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Home Loan Products
Product descriptions with typical down payment, term, PMI, funding fee, and loan limit.
“Conventional” just means that the loan is not part of a specific government program.
Conventional loans typically cost less than FHA loans but have more stringent qualifications.
Down Payment 5%-10%-15%-20%
PMI for 20% down is 0.00%
PMI for 5%-10%-15% down will vary based on credit and down payment. Speak to your mortgage professional for an exact quote.
Funding Fee 0.00%
Loan Limit $647,200 *
FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer you better loan terms
Low closing costs
Easy credit qualifying
Down Payment 3.5%
MIP(PMI) 0.85% annually FHA MIP Details
Funding Fee 1.75%
Loan Limit $420,680 *
VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners.
The VA provides a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.
VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.
Typically 0%, 5% down is available
=>10% VA Disability Rating 0.00%
<10% VA Disability Rating 1.65%-2.30%-3.60% depending on situation
Loan Limit $2,000,000 *
Each year Fannie Mae, Freddie Mac, and their regulator, the Federal Housing Finance Agency (FHFA), set a maximum amount for loans that they will buy from lenders. *
Mortgage loans are allowed to exceed these loan limits. Larger loans are called jumbo mortgages. The cost of obtaining a jumbo mortgage may be higher than the cost of obtaining a conforming mortgage.
Down Payment 20%
No Funding Fee
Loan Limit greater than $647,200
The Section 184 Indian Home Loan Guarantee Program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities.
Down Payment 2.25%
Funding Fee 1.5%
Loan Limit $331,760 for single unit