Loan Options

How assumable FHA, VA and USDA mortgages work, the equity gap, and a worked example of assuming a 3% loan.

How USDA guaranteed home loans work in 2026: eligibility, income limits, the 1% and 0.35% fees, and a $350,000 example.

How VA home loans work: eligibility, no down payment, no monthly mortgage insurance, 2026 funding fee table and a $350,000 example.

2026 conforming loan limits, typical jumbo loan requirements, a $1.2 million home example and ways to avoid a jumbo loan.

FHA and conventional loans compared on down payment, credit score, mortgage insurance and 2026 loan limits, with a full $350,000 cost example.

How a 5/6 ARM works, rate caps explained, and a $300,000 example of what happens to the payment when the fixed period ends.

What discount points cost, how to calculate the break-even, and when buying down your mortgage rate actually pays off.

A side-by-side comparison of 15-year and 30-year mortgages on a $300,000 loan: monthly payment, total interest and when each makes sense.

What private mortgage insurance costs, when it ends under the 80% and 78% rules, and how to remove it early, with a worked example.