The Lowest Mortgage Rates & Fees. Home Financing Direct
Your Perfect Home Loan

Types of Mortgages

We offer a wide variety of great mortgage options, and we can match you with the best possible mortgage based on your individual needs and financial situation. In the end, you’ll get the perfect home loan with the lowest interest rate possible.

numerous mortgage loan options to consider

Type of Mortgages

Explore Our Mortage Option

Mortgage Type
Benefits
Best Suited For
Loan Type
15 Year Conventional
Benefits

Lower interest rates than a 30-year mortgage, faster equity buildup, and greater overall interest savings over the life of the loan. Down payment options as low as 3%. No upfront funding fee.

Best Suited For

Borrowers who can afford a higher monthly payment and who want to pay off their mortgage faster and obtain the lowest interest rate possible.

Loan Type
30 Year Conventional
Benefits

Competitive interest rates. Lower monthly payment than a 15-year mortgage. Down payment options as low as 3%. No upfront funding fee.

Best Suited For

Borrowers with good credit who don't want the higher monthly payment of a 15 year mortgage but still want a competitive interest rate.

Loan Type
FHA
Benefits

Easier income and credit requirements. Down payment options as low as 3.5%. Competitive interest rates even with less than perfect credit.

Best Suited For

Borrowers with less than perfect credit who still want a competitive interest rate. Borrowers looking for a little extra purchasing power due to less restrictive debt-to-income requirements.

Loan Type
VA
Benefits

No down payment required. No monthly mortgage insurance even with less than 20% down. Low interest rates.

Best Suited For

Borrowers who are active-duty military, veterans, or their families who want a no money down loan option with low interest rates and no mortgage insurance.

Loan Type
USDA
Benefits

No down payment required. Flexible credit requirements. Low interest rates.

Best Suited For

Borrowers planning to purchase a home in a rural area and who have low to moderate income. Property must be located in an eligible USDA area.

Loan Type
Jumbo
Benefits

Higher loan limits which allow borrowers to purchase more expensive properties. No upfront funding fee.

Best Suited For

Borrowers looking to purchase high-value properties that exceed conventional loan limits, typically with good credit and financial stability.

Loan Type
Non QM
Benefits

More flexible lending criteria, allowing for alternative income documentation, non-traditional credit histories, or unique financial situations.

Best Suited For

Self-employed borrowers, borrowers with irregular income, or those with unique financial circumstances that don't fit traditional mortgage criteria.

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