Types of Refinance Loans

Conventional
Type Limit Ideal for  Advantages
ARMS                         Conforming
  • Short-term homeowners
  • Clients with future income growth potential
  • Low initial interest rate
30-year 
fixed rate   
Conforming
  • Long-term homeowners looking for stability
  • Long-term interest rate and monthly payment stability
15- year 
fixed rate
Conforming
  • Clients looking for stability and speedy payoff
  • Interest rate & payment stability
  • Faster equity/payoff
  • Less overall interest
Jumbo Conforming
  • Clients seeking higher value
  • No limit
  • Covers more value

Government-insured
Type Limit Ideal for Advantages
FHA                  Conforming
  • Clients with limited 
    credit or income
  • Low down payment
  • Easier credit and income requirements
VA Affordability
  • Eligible past/present
    service members and 
    spouses
  • Low interest rate
  • Low down payment
  • Costs covered
USDA Affordability
  • Limited income clients
    in USDA designated rural areas
  • 100% financing
  • Assists limited income clients

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