{"id":3821,"date":"2026-07-20T17:40:33","date_gmt":"2026-07-20T17:40:33","guid":{"rendered":"https:\/\/crosscountrymovingteams.com\/?p=3821"},"modified":"2026-07-20T17:40:33","modified_gmt":"2026-07-20T17:40:33","slug":"types-of-mortgage-loans-a-guide-to-choosing-the-right-one","status":"publish","type":"post","link":"https:\/\/crosscountrymovingteams.com\/?p=3821","title":{"rendered":"Types of mortgage loans: A guide to choosing the right one"},"content":{"rendered":"<div>\n<p>Don\u2019t let the wide variety of mortgages paralyze your search for a home. It\u2019s easier than you might think to pinpoint the best home loan for your situation. Whether you\u2019re looking for a high-value mansion in Malibu or struggling to come up with a down payment for a modest rural cottage, there\u2019s an option for you.<\/p>\n<p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=3819\">Andy Burnham accuses UK of taking wrong turns since the 1980s in first speech as Prime Minister outside 10 Downing Street<\/a><\/p>\n<p>Here\u2019s what you need to know about choosing the right mortgage loan.<\/p>\n<h2>A quick-reference loan comparison<\/h2>\n<p>There are four major loan categories: Conventional, government-backed, jumbo, and specialty. Many borrowers are eligible for multiple mortgage types. A clear front-runner for your situation often presents itself after you factor in your credit profile, down payment, loan size, and location.\u00a0<\/p>\n<p>Below is a quick reference to help you compare the tradeoffs of each loan category.<\/p>\n<div><span>Advertisement<\/span><iframe class=\"min-h-[600px] w-full\" frameborder=\"0\" id=\"icb-rate-table-_R_86qpainpfiv5ubst5ubsnmdalb_\" scrolling=\"no\" src=\"https:\/\/widgets.icanbuy.com\/c\/standard\/us\/en\/mortgage\/tables\/Mortgage.aspx?siteid=153c5334a3df76cb&amp;listingbtnbgcolor=006885&amp;searchbtnbgcolor=006885&amp;external=4528891&amp;specs=%7B%22page%22%3A%22types-of-mortgage-loans%22%7D\" title=\"Compare current mortgage rates\" width=\"100%\"><\/iframe><\/div>\n<h2>Conventional loans<\/h2>\n<p>Conventional loans are the most common mortgage type in the U.S. Banks and lenders privately originate these loans; the government doesn\u2019t insure or guarantee them. Many lenders sell conventional loans to Fannie Mae or Freddie Mac, which set standardized underwriting guidelines.<\/p>\n<p>Conventional loans offer more flexibility than government-backed loans in terms of how you can use the money. You can use them to finance second homes and investment properties that, say, FHA and VA programs generally won\u2019t.<\/p>\n<p>Conventional loans are ideal for those who have a stable income, the ability to put 3 to 5% down, and overall solid credit. It\u2019s worth noting that both Fannie Mae and Freddie Mac have removed the minimum 620 score as a hard floor from their automated underwriting systems (though their manual underwriting still requires it). Specific lenders may still have their own minimum credit score requirements. A good rule of thumb is to maintain a credit score of 740 or higher to qualify for the best available mortgage rates.<\/p>\n<h3>Conforming vs. non-conforming loans<\/h3>\n<p>A conforming loan must fall within the dollar limits set annually by the Federal Housing Finance Agency (FHFA). For 2026, the maximum conforming loan limit for single-family homes is $832,750 in most counties, but it can reach up to $1,249,125 in high-cost areas. If the home costs more, it\u2019s categorized as non-conforming. We\u2019ll discuss non-conforming loans below.<\/p>\n<p>These caps don\u2019t affect most buyers. They\u2019re relevant primarily for those purcharing higher-priced homes, whether in expensive metros like San Francisco and New York, or simply a higher-end home in an average-priced area.<\/p>\n<h3>PMI: What it costs and how to get rid of it<\/h3>\n<p>Private mortgage insurance (PMI) is an extra cost you may need to pay when you take out a conventional loan with a down payment of less than 20%. PMI protects the lender, not you, if you stop making payments on your loan.<\/p>\n<p>Again, you\u2019re welcome to put between 3% and 5% down on your conventional loan. But you\u2019ll typically need to pay PMI if you do.<\/p>\n<p>Depending on factors like your credit score and loan size, you can expect to pay between 0.46%\u20131.50% for PMI each year. That works out to somewhere between $115 and $375 per month on a $300,000 mortgage. Once you\u2019ve built 20% equity in your home, you can request for your lender to cancel your PMI. When your balance reaches 78% of your home\u2019s original value, your lender must automatically cancel it.<\/p>\n<h2>Government-backed loans<\/h2>\n<p>Here\u2019s the big difference between government-backed loans and conventional loans: While private lenders, such as banks and mortgage companies, originate both types of loans, a federal agency insures or guarantees government-backed loans. If you default, the government steps in to help mitigate the lender\u2019s loss.<\/p>\n<p>In other words, there\u2019s less risk for the lender with a government-backed loan. That can make it easier for borrowers who may not qualify for a conventional loan to get approved, often with lower down payment requirements and more flexible credit standards.<\/p>\n<p>The tradeoff is cost. Many government-backed loans bring along mandatory fees or insurance premiums that aren\u2019t required with conventional loans.<\/p>\n<h3>FHA loans<\/h3>\n<p>FHA loans help those who can\u2019t qualify for a conventional loan. They require at least 3.5% down with a credit score of 580 or higher, or a 10% down payment with a credit score between 500 and 579. The catch is that you\u2019ll pay a mortgage insurance premium (MIP):<\/p>\n<ul>\n<li>1.75% upfront, typically added to your loan amount<\/li>\n<li>Between 0.45% and 1.05% of the loan amount each year.<\/li>\n<\/ul>\n<p>Putting less than 10% down means you\u2019ll pay MIP for the life of the loan. You can\u2019t cancel it like PMI with a conventional loan. However, you can opt to refinance your FHA loan into a conventional loan after you\u2019ve built enough equity in your property and improved your credit profile. It\u2019s the only way to shed MIP.<\/p>\n<p>Even if you qualify for a conventional loan, an FHA could be a better move. That\u2019s because conventional borrowers with credit scores on the lower end (at or around 620, for example) may face rate surcharges that you won\u2019t find with an FHA loan. That means your actual rate and monthly payment could be lower with an FHA\u2014even after factoring in the MIP.<\/p>\n<h3>VA loans<\/h3>\n<p>VA loans are designed exclusively for veterans, active-duty service members, National Guard and Reserve members, and eligible surviving spouses. They come with unique features, such as zero down payment and no PMI. If you\u2019re eligible, VA loans are often the best place to start.<\/p>\n<p>That said, there\u2019s one important cost to understand\u2014the VA funding fee. It\u2019s a one-time charge that you can either pay at closing or roll into your loan. If you\u2019re a borrower with a service-connected disability, you\u2019re typically exempt from this fee.<\/p>\n<p>Everyone else pays:<\/p>\n<ul>\n<li>2.15% if it\u2019s your first time using a VA loan with less than 5% down<\/li>\n<li>3.30% for subsequent uses with less than 5% down<\/li>\n<li>1.50% with a down payment of 5% to less than 10%<\/li>\n<li>1.25% if you put at least 10% down<\/li>\n<\/ul>\n<p>To refinance a VA loan, you\u2019ve got two options.<\/p>\n<p>First is a VA IRRRL It\u2019s a streamline refinance that requires minimal paperwork and no appraisal. There\u2019s no conventional loan equivalent. Second is a VA cash-out With these loans, you can potentially borrow up to 100% of your home\u2019s appraised value.<\/p>\n<h3>USDA loans<\/h3>\n<p>Similar to VA loans, USDA loans are available with zero down payment\u2014but you must purchase your home in a USDA-eligible rural or suburban area. To qualify, your household income can\u2019t exceed a specific limit (based on where you live and the number of people in your home). In 2026, the income limit in most counties is $119,850 for a household of up to four.<\/p>\n<p>USDA loans charge a 1% upfront guarantee fee, which you can typically roll into your loan. You\u2019ll also pay a 0.35% annual fee each month on your remaining loan balance.<\/p>\n<h3>HUD Section 184 loans<\/h3>\n<p>The Section 184 Indian Home Loan Guarantee Program is a HUD-backed mortgage available to members of federally recognized tribes.<\/p>\n<p>The benefits include a low down payment of 1.25% for loans under $50,000 and 2.25% for loans over $50,000, no PMI, and flexible underwriting. Your only fee is a 1% upfront guarantee charge, which you can roll into the loan. It\u2019s one of the best home loan programs you\u2019ve probably never heard of\u2014but again, eligibility is exclusive.<\/p>\n<p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=3817\">JD Vance becomes first sitting vice president to welcome a child in office in over 150 years<\/a><\/p>\n<div><span>Advertisement<\/span><\/p>\n<div><\/div>\n<\/div>\n<h2>Jumbo loans<\/h2>\n<p>A jumbo loan is a mortgage that exceeds the FHFA\u2019s conforming loan limits. For 2026, that means loans above $832,750 in most counties or $1,249,125 in high-cost areas.<\/p>\n<p>Because Fannie Mae and Freddie Mac don\u2019t purchase jumbo loans, lenders have more flexibility to set their own underwriting standards and loan terms. As a result, qualification requirements can vary significantly from lender to lender.<\/p>\n<p>While the exact requirements vary by lender, jumbo loans often require at least a 20% down payment, a debt-to-income ratio (DTI) of 43% or lower, cash reserves to cover up to 12 months of mortgage payments after closing, and a credit score of at least 700. That said, there are exceptions to these rules. For example, Wells Fargo requires as little as 10.01% down for its jumbo loans.<\/p>\n<p>Jumbo loans are often trickier for those who are self-employed or have complex income (equity compensation, rental income, multiple revenue streams, etc.). If that describes you, you\u2019ll likely need to provide additional documentation to verify your income and finances.<\/p>\n<h3>The high-balance middle tier<\/h3>\n<p>Unlike jumbo loans, high-balance loans are conforming loans. They exceed the standard 2026 conforming limit for most counties but remain within Fannie Mae and Freddie Mac\u2019s high-cost area loan limits. They tend to carry slightly higher rates.<\/p>\n<h2>Fixed-rate vs. adjustable-rate mortgages<\/h2>\n<p>For each of the above loan types, you\u2019ll also have to choose how your interest rate works. \u201cFixed-rate\u201d and \u201cadjustable-rate\u201d structures sit on top of every loan type covered above. Whether you\u2019re taking out a conventional, FHA, VA, or jumbo loan, you\u2019ll typically have the option to choose between the two.<\/p>\n<p>When deciding between a fixed-rate vs. adjustable-rate mortgage, the right choice mostly comes down to one question: How long do you plan to stay in the home?<\/p>\n<h3>Fixed-rate mortgages<\/h3>\n<p>A fixed-rate mortgage locks your interest rate and monthly payment in for the life of your loan. Beyond protecting you from rate increases later, it comes with the benefit of predictability. It\u2019s a popular option for borrowers who plan to stay in their home for several years.<\/p>\n<p>Fixed-rate mortgages come in both 15- and 30-year terms. If you can afford the higher monthly payments, a 15-year mortgage can save you a significant amount in interest over the life of the loan.<\/p>\n<h3>Adjustable-rate mortgages<\/h3>\n<p>Adjustable-rate mortgages (ARMs) offer an introductory period with a fixed interest rate that\u2019s typically lower than the rate on a fixed-rate mortgage. The tradeoff is that after the introductory period ends, your interest rate can adjust based on market conditions. As a result, your monthly payments may increase or decrease over time.<\/p>\n<h2>Renovation and construction loans<\/h2>\n<p>A standard purchase mortgage is designed for a move-in-ready home, not a fixer-upper or a new home yet to be built.<\/p>\n<p>This is where renovation and construction loans come in. These loans typically involve a more complex origination process, and fewer lenders offer them than standard mortgages. As a result, if you\u2019re pursuing one, you can expect a longer loan process and fewer lenders to choose from.<\/p>\n<p>Below are the main types of renovation and construction loans:\u00a0<\/p>\n<ul>\n<li> You\u2019ll typically make interest-only payments during construction. Once construction is complete, the loan converts to a standard mortgage. Prepare to submit detailed construction plans and a contract with a licensed builder.<\/li>\n<li> Renovation loans combine the home\u2019s purchase price and repair costs into a single loan. Lenders base your loan amount on your home\u2019s estimated value after repairs.<\/li>\n<li> You can use this loan to purchase a lot before construction begins. Loan terms tend to be shorter, rates higher, and lenders typically require a larger down payment than you\u2019d need for a standard mortgage. You may opt to refinance into a construction loan when you\u2019re ready to build.<\/li>\n<\/ul>\n<h2>Niche products worth knowing<\/h2>\n<p>There are a handful of loans designed for borrowers who don\u2019t quite fit the standard underwriting mold. Many of these options fall into the non-qualified mortgage (non-QM) category\u2014meaning they exist outside the rules of most conventional loans.<\/p>\n<p>Example loans include:<\/p>\n<ul>\n<li> When a loan is sold to Fannie Mae or Freddie Mac, the terms are largely standardized. This lender keeps the loan in-house, giving it more flexibility to set its own underwriting guidelines. Borrowers who are self-employed or have complex income (real estate investors, high-asset buyers with irregular income, etc.) can benefit from this loan type. Just note that rates can be higher.\u00a0<\/li>\n<li> You\u2019ll pay only interest at the start of your loan, often for five to 10 years. After that, your monthly payment increases as you begin to pay principal, too. While it\u2019s not the best option for those trying to build equity quickly, it can be a helpful tool for investors or high-income earners who have a plan to handle the larger payments later (selling or refinancing, for example).<\/li>\n<li> Roll the cost of energy-efficient upgrades like solar panels or an improved HVAC system into your mortgage when you purchase a home. This option is available through several conventional and government-backed home loan programs, including FHA and VA loans.<\/li>\n<li> If you\u2019re a doctor with high medical school debt but a promising income trajectory, you may qualify for a low or no down payment without PMI.<\/li>\n<\/ul>\n<h2>How to choose the right mortgage loan<\/h2>\n<p>To choose the right mortgage loan for your situation, consider the following questions:<\/p>\n<ul>\n<li> Your credit score is one of the biggest factors in determining which specific loan types you qualify for. The lender also considers this number when deciding your interest rate.<\/li>\n<li> A larger down payment opens up better loan terms and can lower your out-of-pocket costs in other ways (such as avoiding PMI). If you can\u2019t afford, say, 10% to 20% down, stick to loans that allow for lower upfront payments.<\/li>\n<li> Government-backed loans come with advantages that you won\u2019t find with conventional loans, such as lower down payment requirements and more flexible credit score guidelines. If you\u2019re a veteran, a member of an eligible Native American tribe, or even if you plan to build a home in a rural area, you may qualify for one of these loans.<\/li>\n<li> The price of your home, as well as its specific location, determines whether you need a conforming, a high-balance, or a jumbo loan.<\/li>\n<li> If you plan to sell your home within five to seven years, an adjustable-rate mortgage may help you secure a lower initial interest rate before you sell. Just remember that your interest rate may increase after the introductory period ends.<\/li>\n<\/ul>\n<h2>The takeaway<\/h2>\n<p>The selection of home loans to choose from can be overwhelming, but narrowing down the best mortgage for you won\u2019t take long.<\/p>\n<p>For most first-time buyers, the choice usually comes down to a conventional loan vs FHA loan. The right mortgage for you depends on your credit score, down payment, and how long you plan to stay in your new home. If you\u2019re an eligible veteran, or if you plan to buy a house in a qualifying rural area, you may qualify for government-backed VA or USDA loans. These loans come with benefits that you won\u2019t find with a conventional loan.\u00a0<\/p>\n<p>After you\u2019ve decided on your loan type, get quotes from at least three lenders to ensure that you\u2019re getting a competitive rate.<\/p>\n<h2>Frequently asked questions<\/h2>\n<details>\n<summary><span><\/p>\n<h3>Should I get a fixed-rate or adjustable-rate mortgage?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>Generally speaking, you should get a fixed-rate mortgage if you want predictable payments and you plan to stay in your home long-term. An ARM may be better if you plan to move within five to seven years, or if you\u2019re comfortable with future interest changes. Just make sure you sell or explore refinancing before the introductory rate expires.<\/p>\n<\/details>\n<details>\n<summary><span><\/p>\n<h3>What type of mortgage is best if I have a low credit score?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>If you have a low credit score, an FHA loan is often the best option. This government-backed loan allows for lower credit scores and lower down payments.<\/p>\n<\/details>\n<details>\n<summary><span><\/p>\n<h3>Which mortgage is best for veterans and active-duty servicemembers?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>In most cases, a VA loan is the best choice for veterans and active-duty servicemembers. It requires no down payment and doesn\u2019t charge PMI.<\/p>\n<\/details>\n<details>\n<summary><span><\/p>\n<h3>Can I switch from one type of mortgage loan to another by refinancing?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>Yes, you can switch between mortgage types by refinancing, as long as you qualify for the new loan.<\/p>\n<\/details>\n<details>\n<summary><span><\/p>\n<h3>How many lenders should I compare when choosing a mortgage?<\/h3>\n<p><svg><\/svg><\/span><\/summary>\n<p>It\u2019s wise to compare at least three lenders when choosing a mortgage. This gives you a better idea of the competitive rates available based on your financial profile.<\/p>\n<p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=3815\">Volvo car CEO pushes back on Navarro\u2019s \u2018Pirate\u2019 China comments<\/a><\/p>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s what homebuyers need to know about different types of home loans including conventional, government backed, and jumbo.<\/p>\n","protected":false},"author":1,"featured_media":3820,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[195],"tags":[],"class_list":["post-3821","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Types of mortgage loans: A guide to choosing the right one - 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