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Down Payment %, Loan Term, PMI, and Loan Limits in Home Loan Products description below.
This information is not inclusive of all fess associated with a home loan transaction. Please contact one of our mortgage professionals for an informed competitive quote.

Rate Market Trends

Market trend rates powered by Optimal Blue is an overall market analysis on rates.Contact us for specific rates and terms on any given product in current market conditions.

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%

  • Term 15y-20y-30y

  • 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%

  • Term 30y

  • 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.

  • Down Payment

  • Typically 0%, 5% down is available

  • Term 15y-30y

  • PMI 0.00%

  • Funding Fee

    • =>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.

  • Term 30y

  • Down Payment 20%

  • PMI 0.00%

  • No Funding Fee

  • Loan Limit greater than $647,200


  • USDA Rural Development is committed to helping improve the economy and quality of life of rural Americans in many ways.

  • USDA Eligibility Map

  • Term 30y

  • Down Payment 0.00%

  • PMI 0.35%

  • Funding Fee 1.00%

  • Income Eligibility Limits

  • Loan Limit $336,500 *

Section 184

  • 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.

  • Term 30y

  • Down Payment 2.25%

  • PMI 0.15%

  • Funding Fee 1.5%

  • Loan Limit $331,760 for single unit

  • More Information

For informational purposes only. Actual products may differ at any given times due to market conditions and regulatory changes. Please contact one of our mortgage professionals for a more exact quote.