What are the different types of mortgage loans available to me?

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Here are the most common options:

  • Conventional Loan: Backed by private lenders, flexible terms, usually requires good credit.
  • FHA Loan: Government-insured, easier to qualify for, lower down payment.
  • VA Loan: For eligible veterans and service members, no down payment, no PMI.
  • USDA Loan: For rural or certain suburban homes, 0% down if you qualify.
  • Fixed-Rate Mortgage: Interest rate stays the same for the life of the loan (e.g., 15 or 30 years).
  • Adjustable-Rate Mortgage (ARM): Starts with a lower rate, but can adjust up or down over time.

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