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Discover your loan options

Here’s a look at some common mortgage types to help you see which loan is right for you.
Loan typeBest forCurrent avg. APRMin. down payment*More details
30-Year FixedLow monthly payments that won’t change6.72%3.0%30-year fixed is the most common mortgage type
15-Year FixedPaying loan off faster (vs 30-year loans)6.18%3.0%Payments are higher, but much less interest is paid over time vs 30-yr loans
7/1 ARMThose who might sell within 7 years7.45%3.0%After 7 years, interest rate & mo. payment can change annually
5/1 ARMThose who might sell within 5 years7.66%3.0%After 5 years, interest rate & mo. payment can change annually
FHA 30-Year FixedThose with lower credit scores6.58%3.5%Mortgage insurance is required (upfront fee & mo. insurance premium)
VA 30-Year FixedQualifying veterans and active military6.30%0.0%PMI is not required for VA loans, but there may be a VA funding fee
Jumbo 30-Year FixedThose purchasing high-priced homes0.00%VariesJumbo loans are for loan amounts that exceed conventional loan limits
* Actual minimum required down payment may vary depending on criteria established by the lender, investor or insurer of your loan.
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Most-asked mortgage questions

  • How much do you need to put down on a house?
  • How do I choose a mortgage lender?
  • How much mortgage can I afford?
  • What is mortgage pre-qualification?
  • How do I qualify to buy a home?

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