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Refinance Purchase

Conforming and Non-Conforming

Jumbo Mortgage

A jumbo loan or a jumbo mortgage, is a loan type that exceeds the loan limits set by the Federal Housing Finance Agency (FHFA). This type of loan is not eligible for purchase, guarantee or securitized by Fannie Mae or Freddie Mac. Homes that fall over and above the conforming loans limits can be purchased with a Jumbo Mortgage.

Conventional loan:

A conventional loan is a type of mortgage that isn’t guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the Farmers Home Administration (FMHA) and the Department of Veterans Affairs (VA). It is a fixed term interest rate loan that requires a minimum down payment of 3 %, - 25 % required on condominium purchases. Conventional loans are generally of two types namely, the amortized and adjustable. While amortized conventional loans are funded by lenders with the loan to value not less than 80%, the adjustable conventional loans are fixed for a minimum of 3 years to 7 years while the rest of the time being subject to changes.

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