Loan Type Down Payment Terms Mortgage Insurance
Fixed Rate Mortgages
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5% 15 or 30 years, fixed No (if under 80% loan-to-value)
FHA Home Loans
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3.5% 10, 15, 20, 25 or 30 years, fixed and adjustable Yes
VA Home Loans
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None 15, 20, 25 or 30 years, fixed and adjustable No
Jumbo Home Loans
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20% 15 or 30 years, fixed and adjustable No
USDA Home Mortgages
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None 30 years, fixed No (Up-Front Guarantee Fee financed into loan)
Renovation Mortgage 203(k)
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3.5% 30 years, fixed Yes
Adjustable Rate Mortgage (ARM)
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Varies 3/1, 5/1, 7/1 or 10/1 Varies
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    200 W Washington St
    Phoenix, California 85003
    NMLS# 12345

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