Understanding The Different Types of Mortgages

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Mortgage loans are the primary means by which most individuals finance the purchase of a home. They are a form of secured loan, which means that the borrower pledges their home as collateral for the loan. Mortgage loans can vary widely in terms of the amount borrowed, interest rate, and repayment period. Here are some of the most common types of mortgage loans.

  1. Conventional loans. Conventional loans are the most common type of mortgage loan. They are not guaranteed or insured by the federal government and are instead issued by private lenders such as banks or credit unions. These loans typically require a down payment of 5%-20% of the purchase price of the home, and borrowers with a higher credit score are more likely to qualify for lower interest rates.
  2. FHA loans. FHA loans are a type of government-backed mortgage loan that is insured by the Federal Housing Administration (FHA). These loans are designed to help low- and moderate-income borrowers purchase homes with smaller down payments and more flexible credit requirements. FHA loans require a down payment of just 3.5% of the purchase price of the home, and borrowers with a credit score of 550 or higher may qualify.
  3. VA loans. VA loans are a type of mortgage loan that is guaranteed by the Department of Veterans Affairs (VA). These loans are available to active-duty service members, veterans, and their spouses. VA loans require no down payment and have more flexible credit requirements than conventional loans.
  4. USDA loans. USDA loans are a type of government-backed mortgage loan that is guaranteed by the United States Department of Agriculture (USDA). These loans are designed to help low- and moderate-income borrowers purchase homes in rural areas. USDA loans require no down payment and have more flexible credit requirements than conventional loans.
  5. Jumbo loans. Jumbo loans are a type of mortgage loan that is used to finance properties that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In most areas, the conforming loan limit is $726,200 for a single-family home. Jumbo loans typically have higher interest rates and more stringent credit requirements than conventional loans.
  6. Debt-Service Coverage Ratio (DSCR) Loans. These are commercial loans that evaluate the borrower’s ability to pay back the loan by looking at the cash flow of the property. The DSCR is a ratio that compares the property’s net operating income to the debt service on the loan. These loans are typically used for income-producing properties like apartment buildings or office spaces.

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Thank you for visiting Home Mortgage Pros! My name is Mark Fazio, and I have been originating mortgages since 2016.

Sometimes, starting the mortgage process can be quite confusing and daunting. You might be asking yourself, “How do I even get started?” “Am I getting ripped off?” “Am I making the right move?” “How much do I need for a down payment?” “Should I shop around?” and so much more. These are all common concerns within the industry.

My goal is to help guide you, answer your questions, earn your trust, and give you that red-carpet experience. And, if I’m not able to offer you a mortgage, at least I hope I can offer you some great advice and set you in the right direction!

GET A QUOTE – fill out the questionaire and then schedule a free appoitnment with me.

LEARN  – Over 20 articles I have written that can assist you in understanding mortgage related info and offer various useful tips and tricks. 

You can also reach out to me directly at (480) 690-9790

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Kimbo HamiltonKimbo Hamilton
14:55 16 Jul 23
I met Mark through my agent and although I was skeptical over shark-like loan officers, Mark proved to be otherwise by providing the best rate over other all other external loan officers. He was relentless in his follow up and even worked on Mother’s Day weekend gathering my docs for processing. Mark is now my guy. Make him your guy too.
Sokhieng HornSokhieng Horn
22:08 14 Jul 23
My loan officer’s Mark Fazio is really great I highly recommend him. My process was really smooth and easy he answered all my questions and call asap, without his help I couldn’t get a loan due to my foreclosure issues but everything work out great and he got me my loan I’m satisfied now I’m a new homeowner again thank you Mark
Lesia LewisLesia Lewis
18:21 09 May 23
Mark was an amazing person to work with. He is always on time and made this refinance so simple. I really appreciate the job that he did and would refer him to all that I can. He always returned text or call very quickly and never hesitated to help me. Thank you so much for an amazing job you did.
Alyssa BildusasAlyssa Bildusas
16:53 23 Apr 23
Mark was extremely helpful through the process of my refinance. He took me step by step and answered all of my questions throughly. The appointment to get everything notarized went very smoothly, such an easy process. I have recommended him to multiple friends to go through the process to make living easier and more affordable.
Zachary LoweZachary Lowe
23:36 20 Apr 23
Our mortgage experience with Mark was nothing short of excellent. We got the best rate on the market and the process was very simple. Highly recommended.
Jonathon StitzingerJonathon Stitzinger
01:31 20 Apr 23
Mark did a phenomenal job when it came to setting up my new home mortgage. Communication was amazing and he got everything done in no time! Highly recommend Mark and he will be the first person I call when I do my next refinance or new home mortgage!
Bryce ButzineBryce Butzine
14:34 18 Apr 23
Mark was awesome to work with! Could not recommend enough. Smooth and seamless process getting my deal through.
Kayla OverlyKayla Overly
23:30 16 Apr 23
Mark was such a great person to have in my corner for my first home purchase. He was extremely professional, attentive, and very communicative. He did an amazing job making me feel educated and comfortable every step of the way! I would 100% work with Mark again and refer him to friends and family for their lending needs.
Christa FreemanChrista Freeman
20:51 15 Apr 23
Working with Mark Fazio was a pleasure. He was quick to respond and took every bump in the road with ease and made sure everything got done in a timely manner. I would definitely use Mark again in the future. He’s professional, kind, and efficient.
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