Which type of Mortgage best fits my needs?

When reviewing mortgage options, here are some key factors to consider: the type of loan, the type of interest rate and the loan term. Let's find out what makes sense for you.

While conventional loans are the most common mortgage type, there are other options to consider.

Government-backed options like Federal Housing Administration (FHA) and Veterans Affairs (VA) loans might make sense if you qualify for them, while a jumbo loan is common if you're shopping for a home in a higher-priced real estate market. Which one is right for you?

Find which mortgage option is right for you.


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EDUCASA is a National Home Buying Program and private organization and is not a government agency. EDUCASA is not a lender, has no corporate affiliation with the above preferred lenders and receives no compensation in connection with any mortgage loans.  Only Loan Officers that are EDUCASA Certified Program Specialist with our preferred lenders are eligible to participate in our preferred lender program.  EDUCASA does not sell leads or information and does not collect or store buyer's financial information.  EDUCASA direct Grants are funded by participating Realtor® Partners.  EDUCASA may also provide information on non-exclusive government grant and down payment assistance programs, where available.  Programs vary by state and all grant, down payment assistance and savings amounts are estimates.  You must be represented at closing by am EDUCASA Realtor® Partner to receive the Realtor® rebate portion of the EDUCASA grant.  Realtor® rebates are not available in AK, KS, LA, MS.  Benefits received may be affected by home price, for sale by owner properties (FSBO’s), new construction or other factors.  You must work with an EDUCASA preferred lender to receive additional benefits.