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A 30 Year fixed rate mortgage ensures that your interest rate will not change. This makes it easier to budget as the monthly repayments stay at a fixed rate over 30 years regardless of the housing market. Many homebuyers favor this option for the long-term security it provides.

A 15 Year fixed rate mortgage must be paid off in half the time of the 30 Year alternative, but it’s a popular option that can quickly build equity and provide the borrower with a lower interest rate. It can be also be beneficial for those seeking to retire within 30 years as they will not have to make repayments in retirement.

An FHA loan is a mortgage insured by the Federal Housing Administration, backed by the federal government, and is often a viable option for homebuyers who do not qualify for a conventional loan. A FHA loan may also be suitable for self-employed individuals with unpredictable income.

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. They are offered exclusively to active duty and veteran service members and certain military spouses. The benefits of a VA loan can be exceptional: lower interest rates, no required down payment, no prepayment penalty, and no monthly mortgage insurance premiums.

A mortgage rate buydown** is when a borrower pays an additional charge (called a “point”) in exchange for a temporary lower interest rate and lower payment on their mortgage. This one-time fee is paid at closing by the borrower.

An I Can mortgage type is one where borrowers can negotiate the term length by working with a team of mortgage professionals to determine what works well within a set budget. This mortgage can allow borrowers to build home equity faster with options to refinance with a lower interest rate and shorter term.