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Fixed Rate Mortgage

Down

Payment

Terms

Credit Score

Mortgage Insurance

Maximum Loan

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5%

15 or 30 years, fixed

620 minimum

No (if under 80% loan-to-value

Varies by area

FHA Loan

Down

Payment

Terms

Credit Score

Mortgage Insurance

Maximum Loan

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3.5%

10, 15, 20, 25 or 30 years, fixed and adjustable

580 minimum

Yes

Varies by area

VA Loans

Down

Payment

Terms

Credit Score

Mortgage Insurance

Maximum Loan

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None

10, 15, 20, 25 or 30 years, fixed and adjustable

600 minimum

No

Varies by area

Jumbo Loans

Down

Payment

Terms

Credit Score

Mortgage Insurance

Maximum Loan

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20%

15 or 30 years, fixed and adjustable

700 minimum

No

$2.5 million

Rural Housing (USDA) Loans

Down

Payment

Terms

Credit Score

Mortgage Insurance

Maximum Loan

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None

30 years, fixed

620 minimum

No Up-Front Guarantee Fee financed into loan

Varies by area

FHA 203(k) Rehab Loan

Down

Payment

Terms

Credit Score

Mortgage Insurance

Maximum Loan

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3.5%

30 years, fixed

640 minimum

Yes

Varies by area

FHA/VA One-Time Construction to Perm

Down

Payment

Terms

Credit Score

Mortgage Insurance

Maximum Loan

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0%to3.5%

30 years, fixed

620 minimum

Yes

Varies by area

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