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Home Loans

The United States mortgage market has been around for a long time, and provide consumers with plenty of options for purchasing or refinancing a home. It is important that you do your research to determine which housing loan is best for your circumstances. Here are your loan options for purchasing and refinancing a home.

Take the quiz: What kind of home loan is right for you?


How much do you want to borrow?


Are you a first time purchaser?


Do you already have a mortgage?


Have you served in the U.S. military?


What is your credit score?


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Conforming Mortgage

Conforming Mortgage adheres to the guidelines set forth by Fannie Mae or Freddie Mac. The conforming mortgage is nice because those with sub-par credit and lower available down payments can qualify. Unfortunately, more expensive homes are not included.

Jumbo Mortgage

if you have ample assets and good credit, then the Jumbo Mortgage might be ideal for purchasing a luxury home. Jumbo loans tend to have higher interest rates.

Want a loan, but have bad (or new) credit?

  • This may make your down-payment higher
  • You may choose to refinance when you have improved your score.
  • People can improve their scores by making timely payments

Want to know your credit score?

Fannie Mae and Freddie Mac might offer you a Conforming Mortgage to remodel your property. These programs might only be for certain types of remodeling.

The Reverse Mortgage (also known as the Home Equity Conversion Mortgage or HECM) allows you to draw off capital from built-up equity. The drawback is that you will have both your original mortgage and the HECM to repay. However, these financial instruments often free up cash that allow seniors to stay in their homes longer.

The Second Mortgage creates a subordinated mortgage on your home. These loans will tend to have higher interest rates.