Resources
Mortgage basics, FAQs, and everything you need to make informed decisions about your home loan.
Mortgage Basics
Understand the different types of mortgages available to you.
Fixed-Rate Mortgage
The most common type of loan — your interest rate and monthly payment never change for the life of the loan. Available in 15, 20, and 30-year terms.
Adjustable-Rate Mortgage (ARM)
Features a low initial rate that adjusts periodically based on market conditions. Often starts lower than fixed rates but carries future adjustment risk.
FHA Loan
Government-insured loan with a low 3.5% down payment and flexible credit requirements. Ideal for first-time homebuyers.
VA Loan
A benefit for military veterans and active-duty service members offering zero down payment, no PMI, and competitive rates.
Conventional Loan
A mortgage not insured by the government. Requires higher credit scores and down payments but offers flexibility in terms and rates.
Jumbo Loan
For financing properties above the conforming loan limit ($766,550 in most areas in 2024). Requires strong credit and higher down payments.
Have More Questions?
Visit our full FAQ page for answers to common mortgage questions.
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