New Era of Loan Options

Conventional, FHA, VA. So, What's the difference?
Trying to find a lower interest rate? Looking for a smaller down payment? Served in the military? If you find yourself asking these questions, you’re probably searching for a Conventional, FHA, or VA loan. Get A Rate can advise you about which option is best for you to get started today.
MortgageOptions
EasyQualification
LoanFlexibility
RateSecurity
Lower Equity /Money Down
A 30 Year Fixed Conventional Mortgage is one of the most popular home loan options available because it offers the budget-conscious homeowner lower monthly payments. A fixed rate allows you to lock in a set principle and interest payment. A 30 year fixed mortgage could be either Conventional, FHA, VA or USDA - these are different type of mortgage programs. Learn More
Another popular option for the length of a loan for homeowners who want to secure a lower mortgage rate and pay less interest over the life of the loan. A 15 year fixed mortgage could be either Conventional, FHA, VA or USDA - these are different type of mortgage programs. Learn More
FHA loans were established by the Federal Housing Administration (FHA), part of the US Department of Housing and Urban Development (HUD), to help families with financial limitations become homeowners. The lower down payment makes it possible to buy a new home even with limited funds. Learn More
Loans with an initial fixed rate period (usually 5, 7 or 10 years). After the fixed rate period, your interest rate may change once per year- either up or down depending on market conditions. ARM's are almost always lower in rate than fixed loans and can offer huge savings to first time home buyers especially those who don't plan on staying in their home for more than 10 years. Learn More
Jumbo loans were established for larger purchases. They come with specific limits and guidelines for luxury homes purchases. Learn More
VA loans are backed by the US Department of Veterans Affairs and offer veteran buyers home loan options with no down payments. This program is a great way to save on a mortgage loan as a veteran. Learn More
Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency in March 2009 to help homeowners refinance their mortgages where their outstanding balance on an existing mortgage currently exceeds the value of their home, otherwise known as being "underwater". Learn More
Reverse mortgages are great for homeowners 62 and older who want to help supplement their income or take cash out for whatever need. Learn More
No PMI Mortgages are a great option if you don’t have enough of a down payment to buy a home. Learn More
Home Path Mortgages are devised to help sell Fannie-Mae owned homes where you may not need an appraisal. Learn More
30 Year Fixed Mortgage +
A 30 Year Fixed Conventional Mortgage is one of the most popular home loan options available because it offers the budget-conscious homeowner lower monthly payments. A fixed rate allows you to lock in a set principle and interest payment. A 30 year fixed mortgage could be either Conventional, FHA, VA or USDA - these are different type of mortgage programs.
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
15 Year Fixed Mortgage +
Another popular option for the length of a loan for homeowners who want to secure a lower mortgage rate and pay less interest over the life of the loan. A 15 year fixed mortgage could be either Conventional, FHA, VA or USDA - these are different type of mortgage programs.
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
FHA Loan +
FHA loans were established by the Federal Housing Administration (FHA), part of the US Department of Housing and Urban Development (HUD), to help families with financial limitations become homeowners. The lower down payment makes it possible to buy a new home even with limited funds.
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
Adjustable Rate Mortgage +
Loans with an initial fixed rate period (usually 5, 7 or 10 years). After the fixed rate period, your interest rate may change once per year- either up or down depending on market conditions. ARM's are almost always lower in rate than fixed loans and can offer huge savings to first time home buyers especially those who don't plan on staying in their home for more than 10 years.
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
Jumbo Loans +
Jumbo loans were established for larger purchases. They come with specific limits and guidelines for luxury homes purchases.
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
VA Loans +
VA loans are backed by the US Department of Veterans Affairs and offer veteran buyers home loan options with no down payments. This program is a great way to save on a mortgage loan as a veteran.
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
HARP +
Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency in March 2009 to help homeowners refinance their mortgages where their outstanding balance on an existing mortgage currently exceeds the value of their home, otherwise known as being "underwater".
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
Reverse Mortgage +
Reverse mortgages are great for homeowners 62 and older who want to help supplement their income or take cash out for whatever need.
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
NO PMI Mortgage +
No PMI Mortgages are a great option if you don’t have enough of a down payment to buy a home.
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
Home Path +
Home Path Mortgages are devised to help sell Fannie-Mae owned homes where you may not need an appraisal.
Easy Qualification
Loan Flexibility
Rate Security
Lower Equity / Money Down
Apply Today