Conventional Loans
The most common financing for buyers with established credit.
- Fixed and adjustable options
- Purchase and refinance
- Mortgage insurance can often be removed later
Mortgage programs for different buyers, properties and income profiles
There is no single best mortgage, only the one that fits your situation. Here is what each program is actually for.
- Angel Hernandez, NMLS #1099542
- Licensed in: CA
- Equal Housing Opportunity
- (619) 567-1553
- Conventional Loans
- FHA Loans
- VA Loans
- Jumbo Loans
- Self-employed friendly
- First-time buyers
- Refinance and cash-out
- Free payment calculator
- Adjustable-Rate Mortgages
- 30-Year Fixed
- 15-Year Fixed
Start from your situation
Buying my first home
More than one program can fit
I've served in the military
VA financing may apply
I'm self-employed
Income can be documented several ways
I have a smaller down payment
Lower down payment options exist
I need a larger loan amount
Above conforming limits
I'm buying an investment property
Occupancy changes the options
All loan programs
FHA Loans
Government-insured financing often used for a smaller down payment.
- Lower down payment options
- More flexible credit review
- Purchase and refinance
VA Loans
For eligible veterans, service members and surviving spouses.
- No monthly mortgage insurance where applicable
- Purchase and refinance options
- Certificate of Eligibility support
Jumbo Loans
Financing above conforming loan limits.
- Fixed and adjustable options
- Primary and second homes
- Several documentation approaches
Adjustable-Rate Mortgages
A fixed rate for an initial period, then periodic adjustment.
- Initial fixed period
- Rate caps limit how much it can move
- Purchase and refinance
30-Year Fixed
The same principal and interest payment for the whole term.
- Predictable payment
- Widely available
- Purchase and refinance
15-Year Fixed
A shorter term with faster equity build-up.
- Less total interest
- Faster payoff
- Purchase and refinance
Program availability and qualification depend on borrower and property details. Nothing on this page is an offer of credit or a determination that you qualify.
Not sure which applies to you?
That is the normal starting point. Tell us your situation and we will tell you which programs are genuinely worth comparing.