{"id":183,"date":"2023-02-27T07:23:51","date_gmt":"2023-02-27T07:23:51","guid":{"rendered":"https:\/\/www.privamortgage.com\/blog\/?p=183"},"modified":"2023-03-21T11:37:44","modified_gmt":"2023-03-21T11:37:44","slug":"what-are-the-best-mortgage-loans-for-buying-a-house","status":"publish","type":"post","link":"https:\/\/www.privamortgage.com\/blog\/what-are-the-best-mortgage-loans-for-buying-a-house\/","title":{"rendered":"What are the Best Mortgage Loans for Buying a House?"},"content":{"rendered":"<p>Buying a house is exciting but also expensive. You&#8217;ll need financing unless you have the cash to pay it in full. Most borrowers have a few loan options when buying a house, so understanding the types of mortgages available can help you make the right decision.<\/p>\n<p>Here are the top mortgage loans available today.<\/p>\n<h2><strong>Conventional Mortgage Loans<\/strong><\/h2>\n<p>Conventional loans are standard mortgage loans. They are the <strong>mortgage loans<\/strong> most people consider when borrowing money to buy a house, but they are best for borrowers with good credit and low debt-to-income ratios.<\/p>\n<p>To get a conventional loan, you\u2019ll need the following; however, the exact requirements vary by lender:<\/p>\n<ul>\n<li>Minimum 640-660 credit score<\/li>\n<li>Maximum 36% &#8211; 43% debt-to-income ratio<\/li>\n<li>Stable income and employment for the last two years<\/li>\n<li>At least 3% down if you\u2019re a first-time homebuyer<\/li>\n<li>At least 5% down if you\u2019ve owned a home before<\/li>\n<\/ul>\n<p>If you put down less than 20% on a conventional loan, you\u2019ll pay Private Mortgage Insurance until you pay the loan balance down to less than 80% of the home\u2019s value. At that time, you can request cancellation, or lenders must cancel it automatically when you owe less than 78% of the home\u2019s value.<\/p>\n<h3><strong>Pros:<\/strong><\/h3>\n<ul>\n<li>Competitive interest rates<\/li>\n<li>Low down payment requirements<\/li>\n<li>Mortgage insurance is cancelable<\/li>\n<\/ul>\n<h3><strong>Cons:<\/strong><\/h3>\n<ul>\n<li>Harder to qualify for<\/li>\n<li>Mortgage insurance increases your loan payment<\/li>\n<\/ul>\n<h2><strong>FHA Loans<\/strong><\/h2>\n<p>FHA loans are government-backed loans and are a good conventional loan alternative. FHA loans are usually a good option if you don\u2019t have the credit score or debt-to-income ratio to qualify for a conventional loan.<\/p>\n<h3><strong>FHA loans have more flexible guidelines, including the following:<\/strong><\/h3>\n<ul>\n<li>Minimum 580 credit score with a 3.5% down payment<\/li>\n<li>Minimum 500 credit score with a 10% down payment<\/li>\n<li>Maximum debt-to-income ratio of 43% &#8211; 50%<\/li>\n<li>Stable income and employment for the last two years<\/li>\n<li>Proof you\u2019ll occupy the home as your primary residence<\/li>\n<\/ul>\n<p>All borrowers pay mortgage insurance with FHA loans for the life of the loan. You don\u2019t get the option to cancel it. Borrowers pay 1.75% of the loan amount at the closing and 0.85% of the outstanding balance annually, divided into 12 equal monthly payments.<\/p>\n<h3><strong>Pros:<\/strong><\/h3>\n<ul>\n<li>Lower credit score requirements than conventional loans<\/li>\n<li>Low down payment requirements<\/li>\n<li>Higher debt-to-income ratio allowances<\/li>\n<\/ul>\n<h3><strong>Cons:<\/strong><\/h3>\n<ul>\n<li>Mortgage insurance lasts for the life of the loan<\/li>\n<li>FHA loans have lower loan limits in certain areas<\/li>\n<\/ul>\n<h2><strong>VA Loans<\/strong><\/h2>\n<p>VA loans are another government-backed loan option, but they are only for veterans or surviving spouses. To be eligible, you must have served 24 continuous months in the military or at least the full-time you were called to serve.<\/p>\n<p>VA loans don\u2019t have down payment requirements, and they have more flexible guidelines for veterans to make it easier to buy a home. However, this loan is only for veterans or spouses married to veterans who lost their lives in the service; if you or your spouse weren\u2019t in the service, you aren\u2019t eligible.<\/p>\n<h3><strong>VA loans have the following requirements:<\/strong><\/h3>\n<ul>\n<li>Minimum 620 credit score<\/li>\n<li>Maximum 43% &#8211; 50% debt-to-income ratio<\/li>\n<li>Stable income and employment for the last two years<\/li>\n<li>Prove you\u2019ll use the home as your primary residence<\/li>\n<li>Have your Certificate of Eligibility<\/li>\n<\/ul>\n<h3><strong>Pros:<\/strong><\/h3>\n<ul>\n<li>No down payment<\/li>\n<li>VA loans don\u2019t require mortgage insurance<\/li>\n<li>Flexible underwriting guidelines<\/li>\n<\/ul>\n<h3><strong>Cons:<\/strong><\/h3>\n<ul>\n<li>Only veterans or surviving spouses are eligible<\/li>\n<li>Some sellers don\u2019t accept them<\/li>\n<\/ul>\n<h2><strong>USDA Loans<\/strong><\/h2>\n<p>USDA loans are another government-backed product meant for a specific audience. This product is for low to moderate-income families living in rural areas. The good news is that the USDA has a more liberal definition of rural areas, so you aren\u2019t stuck in the middle of nowhere. Plus, USDA loans don\u2019t require a down payment.<\/p>\n<p>To qualify for USDA loans, you must meet the following:<\/p>\n<ul>\n<li>Meet the income eligibility requirements<\/li>\n<li>Minimum credit score of 640<\/li>\n<li>Maximum debt-to-income ratio of 41%<\/li>\n<li>Stable income and employment for the last two years<\/li>\n<li>Proof you\u2019ll occupy the home as your primary residence<\/li>\n<li>Proof you don\u2019t qualify for any other types of mortgages<\/li>\n<\/ul>\n<h3><strong>Pros:<\/strong><\/h3>\n<ul>\n<li>No down payment required<\/li>\n<li>Flexible underwriting guidelines<\/li>\n<li>Offers competitive interest rates<\/li>\n<\/ul>\n<h3><strong>Cons:<\/strong><\/h3>\n<ul>\n<li>Only families within certain income limits qualify<\/li>\n<li>You must buy a home in a rural area<\/li>\n<\/ul>\n<h2><strong>Jumbo Loans<\/strong><\/h2>\n<p>Jumbo loans are loans for higher loan amounts than the county\u2019s limits. For example, most areas have a loan limit of $726,200, but certain areas are high-cost and allow loan limits of $1,089,300.<\/p>\n<p>Also Read: <a href=\"https:\/\/www.privamortgage.com\/blog\/how-jumbo-loans-work\/\">What Are Jumbo Loans and How Do They Work?<\/a><\/p>\n<p>Jumbo loans are not government-backed and vary by lender because they don\u2019t have any guarantees. To qualify, lenders often require higher credit scores, lower debt-to-income ratios, and larger down payments.<\/p>\n<p>Like all loans, the requirements vary by lender, but on average, you can expect the following:<\/p>\n<ul>\n<li>Minimum 700+ credit score<\/li>\n<li>Maximum 36% &#8211; 43% debt-to-income ratio<\/li>\n<li>Down payment of at least 20%, sometimes higher<\/li>\n<li>Proof of adequate income<\/li>\n<\/ul>\n<h3><strong>Pros:<\/strong><\/h3>\n<ul>\n<li>Allows you to buy more expensive homes<\/li>\n<li>Requirements vary by lender, some may be more lenient than others<\/li>\n<li>Offers competitive interest rates<\/li>\n<\/ul>\n<h3><strong>Cons:<\/strong><\/h3>\n<ul>\n<li>Tougher to qualify for<\/li>\n<li>Usually requires high down payment<\/li>\n<\/ul>\n<h2><strong>Fixed and Adjustable-Rate Mortgages<\/strong><\/h2>\n<p>Most of the types of mortgages mentioned above are available as a fixed or adjustable-rate mortgages.<\/p>\n<p>Fixed-rate mortgages have rates that don\u2019t change for the life of the loan, and adjustable-rate mortgages have a fixed rate for a short period and then adjust annually.<\/p>\n<p>If you\u2019re buying your \u2018forever home,\u2019 a fixed-rate mortgage may be a better option, but if your purchase is temporary or your income situation will change, an adjustable-rate mortgage may be the better option.<\/p>\n<h3><strong>Final Thoughts<\/strong><\/h3>\n<p>The best loan for buying a house is the loan you qualify for and can afford. Each borrower will have different mortgage loans that suit their needs.<\/p>\n<p>Explore your options, and if you need help or don\u2019t know where to start, <a href=\"https:\/\/www.privamortgage.com\/\">Priva Mortgage<\/a> is here to help. Contact us today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a house is exciting but also expensive. You&#8217;ll need financing unless you have the cash to pay it in full. Most borrowers have a few loan options when buying a house, so understanding the types of mortgages available can help you make the right decision. Here are the top mortgage loans available today. Conventional [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":186,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[14],"tags":[44,136,137,63,47,139,69,134,135,138,132,86,131,19,133,72,71],"class_list":["post-183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","tag-adjustable-rate-mortgage","tag-arm","tag-arm-loans","tag-buying-a-house","tag-conventional-loan","tag-conventional-mortgage-loans","tag-fha-loans","tag-fixed-rate-mortgage","tag-government-insured-loan","tag-home-loans","tag-homebuyers","tag-jumbo-loan","tag-mortgage-loans","tag-priva-mortgage","tag-types-of-mortgages","tag-usda-loans","tag-va-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What are the Best Mortgage Loans for Buying a House?<\/title>\n<meta name=\"description\" content=\"Want to know the best loan for buying a house? It depends on your qualifying factors and financial needs. Keep reading to learn about choosing the right mortgage loan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.privamortgage.com\/blog\/what-are-the-best-mortgage-loans-for-buying-a-house\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are the Best Mortgage Loans for Buying a House?\" \/>\n<meta property=\"og:description\" content=\"Want to know the best loan for buying a house? It depends on your qualifying factors and financial needs. Keep reading to learn about choosing the right mortgage loan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.privamortgage.com\/blog\/what-are-the-best-mortgage-loans-for-buying-a-house\/\" \/>\n<meta property=\"og:site_name\" content=\"Priva Mortgage - Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/privamortgage\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-27T07:23:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-21T11:37:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.privamortgage.com\/blog\/wp-content\/uploads\/2023\/02\/What-are-the-Best-Mortgage-Loans-for-Buying-a-House-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"privablogadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"privablogadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/what-are-the-best-mortgage-loans-for-buying-a-house\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/what-are-the-best-mortgage-loans-for-buying-a-house\\\/\"},\"author\":{\"name\":\"privablogadmin\",\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/#\\\/schema\\\/person\\\/37ae62d11395b7dd30a8077add625c0f\"},\"headline\":\"What are the Best Mortgage Loans for Buying a House?\",\"datePublished\":\"2023-02-27T07:23:51+00:00\",\"dateModified\":\"2023-03-21T11:37:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/what-are-the-best-mortgage-loans-for-buying-a-house\\\/\"},\"wordCount\":978,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/what-are-the-best-mortgage-loans-for-buying-a-house\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.privamortgage.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/What-are-the-Best-Mortgage-Loans-for-Buying-a-House-1.png?fit=800%2C400&ssl=1\",\"keywords\":[\"Adjustable-Rate Mortgage\",\"ARM\",\"ARM Loans\",\"buying a house\",\"Conventional Loan\",\"Conventional Mortgage Loans\",\"FHA Loans\",\"Fixed-rate mortgage\",\"Government-insured loan\",\"home loans\",\"homebuyers\",\"Jumbo Loan\",\"mortgage loans\",\"Priva Mortgage\",\"Types of mortgages\",\"USDA Loans\",\"VA Loans\"],\"articleSection\":[\"Mortgage\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/what-are-the-best-mortgage-loans-for-buying-a-house\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/what-are-the-best-mortgage-loans-for-buying-a-house\\\/\",\"url\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/what-are-the-best-mortgage-loans-for-buying-a-house\\\/\",\"name\":\"What are the Best Mortgage Loans for Buying a House?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/what-are-the-best-mortgage-loans-for-buying-a-house\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.privamortgage.com\\\/blog\\\/what-are-the-best-mortgage-loans-for-buying-a-house\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.privamortgage.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/What-are-the-Best-Mortgage-Loans-for-Buying-a-House-1.png?fit=800%2C400&ssl=1\",\"datePublished\":\"2023-02-27T07:23:51+00:00\",\"dateModified\":\"2023-03-21T11:37:44+00:00\",\"description\":\"Want to know the best loan for buying a house? 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