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Mortgage Loan Types
1) Conventional Mortgage.
This is the most commonly used type and usually has the best rates. You will ll typically need at least 10% for a down payment and good credit. Can be for 15 or 30 years or “interest only” where you are not paying any principal in your payment.
2) Mortgage Insurance.
Alright, this isn’t a mortgage type, but you need to know about it! If you put less than 20% down on a home, mortgage insurance protects your lender in case you quit making payments. The cost varies by type of loan so ask your Mortgage Professional about it with every loan you discuss. Mortgage insurance can now be a tax write-off depending on your income level, due to a recent change in the tax laws. Also, once you believe you have at least 20% equity, you should contact your lender to find out about getting rid of Mortgage Insurance, also known as PMI.
3) FHA Mortgage.
Thought of as the first time home loan program but actually available to anyone. The down payment is only 3.5% and is more forgiving of lower credit scores. The interest rates are not as attractive as conventional, but qualifying for the loan isn not as tough either.
4) VA Loan.
Zero down payment loan, but you must be a veteran.
5) USDA Rural Housing Loan.
This USDA Mortgage Loan can only be used in designated areas & towns, but their definition of rural may be more flexible than you think.
6) Adjustable Rate Mortgage (ARM).
These have rates that start out lower than the current rates, but can change after one, two, or five years – usually upward!