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The most popular choice among home buyers due to their flexibility and generally low cost, conventional loans offer variable mortgage insurance options, lower rates for buyers with good credit scores, and fewer associated fees. With a good credit score and a stable income, you may be a great candidate for a conventional loan.

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Adjustable-Rate Mortgage

ARM loans are a good option if you plan to stay in your home for only a few years. Interest rates on an ARM loan are variable over time based on market fluctuations. 

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Fixed-Rate Mortgage

Fixed-rate mortgages help protect you from market fluctuations since the rate on your loan will never change. They offer you the options of a 10, 15, 20, 25, or 30-year loan which allows you to decide between lower or higher monthly payments and the speed at which you gain equity on your home.

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Jumbo Mortgage

Also known as a non-conforming loan, a jumbo loan is utilized when the total amount borrowed is over a certain dollar amount. In most areas, this amount is $647,200. A jumbo loan is a good option if your borrowed amount is over the conforming loan limit in your area, you have a low DTI (debt-to-income) ratio, and you have a good credit score.

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Not sure which option is best for you? Ask us!

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Already have your plan in mind? Let's get the ball rolling.