Loan Type Down Payment Terms Mortgage Insurance
Fixed Rate Mortgage
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5% 15 or 30 years, fixed No (if under 80% loan-to-value)
FHA Loan
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3.5% 10, 15, 20, 25 or 30 years, fixed and adjustable Yes
VA Loans
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None 15, 20, 25 or 30 years, fixed and adjustable No
Jumbo Loans
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20% 15 or 30 years, fixed and adjustable No
Rural Housing (USDA) Loans
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None 30 years, fixed No (Up-Front Guarantee Fee financed into loan)
FHA 203(k) Loan
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3.5% 30 years, fixed Yes
Adjustable Rate Mortgage (ARM)
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Varies 3/1, 5/1, 7/1 or 10/1 Varies
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    Exceed Home Loans

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    NMLS# 1029871

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    Exceed Home Loans

    27 S. Royal Ave.
    Front Royal, Virginia 22630
    (540) 247-5077
    NMLS# 1029871
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