Types of Refinancing Loans

Select the best loan for you.

Loan Programs

Conventional

Type
Limit
Ideal for:
Advantages
Arms

Conforming

  • Short-term Homeowners
  • Clients with future income Growth Potential
  • Low initial Interest Rate

30-Year Fixed Rate

Conforming

  • Long-term Homeowners looking for Stability
  • Long-term Interest Rate and Monthly payment stability
15-Year Fixed Rate

Conforming

  • Clients looking for Stability and speedy Payoff
  • Interest Rate & Payment stability
  • Faster Equity/Payoff
  • Less overall Interest
Jumbo

Conforming

  • Clients seeking higher value
  • No limit
  • Covers more value

Government-Insured

Type
Limit
Ideal for:
Advantages
FHA

Conforming

  • Clients with limited
    credit or income
  • Low down payment
  • Easier credit and income requirements
VA

Affordability

  • Eligible past/present
    service members and
    spouses
  • Low interest rate
  • Low down payment
  • Costs covered
USDA

Affordability

  • Limited income clients
    in USDA designated rural areas
  • 100% financing
  • Assists limited income clients

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