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A fixed-rate mortgage is a type of home loan in which the interest rate remains constant throughout the entire term of the loan. Read More
An adjustable-rate mortgage (ARM) is a type of home loan in which the interest rate is not fixed but instead can change periodically over the life of the loan. Read More
An FHA (Federal Housing Administration) mortgage is a type of government-backed home loan designed to make homeownership more accessible, especially for first-time homebuyers and those with lower credit scores or smaller down payments. Read More
A VA (Veterans Affairs) mortgage is a specialized home loan program exclusively available to eligible veterans, active-duty service members, certain members of the National Guard and Reserves, and qualifying spouses. Read More
A USDA (United States Department of Agriculture) mortgage, also known as a USDA Rural Development Loan, is a government-backed home loan program aimed at promoting homeownership in rural and certain suburban areas. Read More
First-time homebuyer mortgages are specialized home loans designed to assist individuals who are purchasing their first home. These mortgages typically offer benefits and features aimed at making homeownership more accessible to those who may not have prior homeownership experience. Read More
Low down payment mortgages are home loans that allow borrowers to purchase a property with a relatively small upfront payment, often less than the traditional 20% down payment typically required for conventional mortgages. Read More
A jumbo mortgage is a type of home loan that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Read More
A construction mortgage, also known as a construction loan or a self-build loan, is a specialized type of home loan designed to finance the construction of a new home or the significant renovation of an existing property. Read More
A renovation mortgage, often referred to as a renovation loan, is a type of home loan designed to help borrowers finance both the purchase of a property and the cost of renovating or rehabilitating it. Read More
A bridge mortgage, also known as a bridge loan or bridge financing, is a short-term loan that helps homeowners or real estate investors bridge the gap between the purchase of a new property and the sale of an existing one. Read More
The “Lock and Shop” mortgage program is not a widely recognized or standardized mortgage program like conventional, FHA, or VA loans. Read More
A temporary buydown mortgage is a home loan arrangement where the borrower, a third party, or the lender contributes upfront funds to temporarily reduce the borrower’s monthly mortgage payments during the initial years of the loan. Read More
A Bank Statement Mortgage, also known as a Bank Statement Loan or a Self-Employed Mortgage, is a type of home loan designed for borrowers who have non-traditional or fluctuating income sources. Read More
Flip mortgages can be a valuable tool for experienced real estate investors looking to capitalize on opportunities in the housing market. Read More
A residential Debt Coverage Ratio (DCR) mortgage, also known as a Debt Service Coverage Ratio mortgage, is a type of home loan primarily used for investment properties, such as rental properties. Read More
A VA IRRRL, which stands for “Interest Rate Reduction Refinance Loan,” is a streamlined refinance program offered exclusively to eligible veterans and active-duty service members with existing VA-guaranteed home loans. Read More
A Rate and Term Refinance (Rate/Term Refi) mortgage is a type of mortgage refinancing that focuses on changing the interest rate, loan term, or both without taking out cash from the home’s equity. Read More
A cash-out refinance mortgage is a type of home loan that allows homeowners to refinance their existing mortgage while borrowing more than the outstanding balance. Read More
A HELOC, or Home Equity Line of Credit, is a type of mortgage that allows homeowners to borrow money against the equity they have built up in their home. Read More