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Conventional Mortgages

A conventional mortgage is a home loan that’s not insured by the federal government. There are two types of conventional loans: conforming and non-conforming loans.

A conforming loan simply means the loan amount falls within maximum limits set by Fannie Mae or Freddie Mac, government agencies that back most U.S. mortgages. Whereas, loans that don’t meet these guidelines are considered non-conforming loans. Jumbo loans are the most common type of non-conforming loan.


Jumbo Mortgages

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $510,400 in most counties, as determined by the Federal Housing Finance Agency. Homes that exceed the local conforming loan limit require a jumbo loan.

Jumbo loans make sense for more affluent buyers purchasing a high-end home. Jumbo borrowers should have good to excellent credit, high incomes and a substantial down payment.


Government-Insured Mortgages

The U.S. government plays a role in helping more Americans become homeowners. Through the Federal Housing Administration (FHA loans), the U.S. Department of Agriculture (USDA loans) and the U.S. Department of Veterans Affairs (VA loans), the government helps you finance a home when you don’t qualify for a conventional loan.

Government-insured loans are ideal if you have low cash savings, less-than-stellar credit and can’t qualify for a conventional loan. VA loans tend to offer the best terms and most flexibility compared to other loan types for military borrowers


Reverse Mortgages

A reverse mortgage is a type of loan for seniors. A homeowner, ages 62 and older, who has considerable home equity can borrow against the value of their home and receive funds as a lump sum, fixed monthly payment or line of credit. Reverse mortgage proceeds are not taxable. The IRS considers the money to be a loan advance

Reverse mortgages can be a great financial decision for some, but a devastating one for others. It’s important to understand how reverse mortgages work and what they mean for you and your family.