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Conventional loans are mortgage loans offered by non-government sponsored (GSE) lenders such as banks and credit unions. Common loan types are fixed rates, jumbo, or construction loans. A typical conventional loan is a 30 year fixed rate with 20% down payment. Conventional loans are considered “safe loans”.

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With a fixed rate mortgage, the interest rate does not change for the term of the loan, so the monthly payment is always the same, which is great for those on a fixed budget. Fixed rate mortgages come in many different packages. Typically, the shorter the loan period, the more attractive the interest rate will be.

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An Adjustable Rate Mortgage (ARM) is a popular choice in mortgages today. An ARM is a mortgage with an interest rate that may vary over the term of the loan — usually in response to changes in the prime rate or Treasury Bill rate. It offers a great opportunity to start with a lower interest rate on your mortgage.

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A jumbo mortgage is a loan that is above the limits set by the government, also referred to as a non-conforming loan. The cost of a jumbo loan is higher than a standard loan, so expect a higher interest rate. The home must also be located in a higher-cost area, which is a neighborhood that can support a higher mortgage.

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A mortgage loan made by an approved lender and guaranteed by the Department of Veterans Affairs. They are made available to eligible veterans, those currently serving in the military, and, in some case, their spouses. These properties must meet minimum property requirements, which are easy to meet and quite standard.

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Conforming loans are conventional loans that meet bank-funding criteria set by Fannie Mae and Freddie Mac. Both of companies buy mortgage loans from lending institutions and secure them for resale. Every year, from October to October, they establish limits on what constitutes a loan in a mean home price.

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A Federal Housing Administration (FHA) mortgage loans is issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development. FHA loans typically offer options for first-time homebuyers, senior citizens, and for home improvements.

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An FHA reverse mortgage is designed for homeowners age 62 and older. It allows the borrower to convert equity in the home into income or a line of credit. The FHA reverse mortgage loan is also known as a Home Equity Conversion Mortgage (HECM), and is paid back when the homeowner no longer occupies the property.

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