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Mortgage Library - Types of Loan Programs

Types of Mortgage Loans Characteristics of all the basic loan programs available today:

Conventional, FHA, VA, and RHS Loans
Conforming, Jumbo and B-C-D Loans
Fixed Rate Mortgages and Balloon Loans
Adjustable Rate Mortgages
Negatively Amortizing Loans
Hybrid Loans: Two Step, Fixed Period ARMs
Graduated Payment Mortgages
Buydown Mortgages

COFI-indexed ARMs Typical features and advantages of COFI ARMs.

'Interest-Only' Mortgage Loans

Option ARM Loan Programs

Hybrid Option ARMs

100% Financing

FHA Loan Programs

FHA Programs How to get an FHA-insured loan, eligible real properties, down payment requirements.

Mortgage Limits for FHA Loans

FHA Programs: Guide To Single Family Home Mortgage Insurance (HUD) All about FHA-insured mortgage loans, the most frequently used FHA programs.

FHA Mortgage Insurance Refund If you had a HUD/FHA insured mortgage, you may be eligible for a refund on part of your insurance premium. Frequently asked questions about FHA refunds.

VA Home Loans

VA Home Loans A Quick Guide For Homebuyers & Real Estate Professionals (VA) What is a VA-guaranteed loan, how to get a VA loan, requirements for loan approval, costs of obtaining a VA loan.

VA Guaranteed Home Loans for Veterans VA Pamphlet

RHS Programs

Rural Housing Service (RHS) programs

Reverse Mortgages

Reverse Mortgages The basic facts about reverse mortgages and where to get more information.

Reverse Mortgages - Cashing In On Home Ownership (FTC) How it works, facts to consider about reverse mortgages.

Biweekly Payment Plans How it works, True Biweekly vs Pseudo Biweekly, payment plan comparison charts.

Pledged-Asset Mortgages You can avoid down payment and mortgage insurance requirements by pledging your assets.

Full, Easy, and No Doc Loans With Easy/No Doc loans little or no documentation is provided to substantiate the borrower's income and assets.

Fannie Mae Flexible 97 Mortgage The low down payment loan for borrowers with limited savings but good credit. The down payment may be entirely a gift, grant, or loan from relatives, employer, etc.

Wrap-Around Mortgages A wrap-around mortgage is a loan transaction in which the lender assumes responsibility for an existing mortgage.

Government Publications:

What Types Of Loans Are Available? The basic facts about financing a house: What types of loans are available and how do we evaluate different loans?

Consumer Handbook on Adjustable Rate Mortgages (Federal Reserve Board, Office of Thrift Supervision) This booklet provides useful basic information about ARMs, explains how ARMs work and some of the risks and advantages to borrowers that ARMs introduce.

How To Save Half On Interest Costs The purpose of this brochure is to help homebuyers explore the advantages and disadvantages of a 15-year fixed rate mortgage.


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