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Borrowers with a conventional loan will typically pay a higher down payments and have excellent credit in return for better terms. If you can meet the stricter requirements and qualify for a conventional loan, this is likely the type of loan you will seek.
An FHA Loan is a very popular route for the first time homebuyer to take. Because the FHA loan program is designed with first-time homebuyers in mind, it allows for a lower minimum down payment and credit score than a convention loan offering greater flexibility.
Loans larger than the limits set by Fannie Mae and Freddie Mac are called jumbo loans. If you are able to make more than a 20% down payment, a jumbo loan could offer a more competitive interest rate, along with the opportunity to avoid PMI and a floating second loan.
Reverse mortgage loans allow borrowers to convert the equity in their home into cash and repay in a lump sum when they leave the home permanently. This cash is usually tax-free and there are no required monthly mortgage payments.
USDA/Rural Development Loans
Guaranteed by the US Department of Agriculture, USDA loans provide affordable financing options for properties located in designated small towns and suburbs away from the city. This program helps eligible low- to moderate-income families by offering a no down payment option.