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View the interest rate and cost breakdown of each loan to choose the best lender and loan product for you. Need help? Our mortgage team is not commissioned, so they're always on your side.
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With Credible, you can complete the whole mortgage process online. We have a team of dedicated mortgage experts ready to help you if you need it.
Type of loan
A conventional mortgage isn’t insured by government programs; it’s underwritten by Fannie Mae and Freddie Mac. This also means a higher down payment is expected up front.
A loan that exceeds Fannie Mae and Freddie Mac’s conforming loan limit is called a non-conforming or “jumbo mortgage.” Jumbo loans have higher loan amounts than conventional loans.
This loan is insured by the Federal Housing Administration (FHA) and has less-strict underwriting requirements than most other mortgages — like a lower down payment and lower credit score.
The Department of Veterans Affairs (VA) backs these loans which are for veterans, service members, and some military spouses. Some VA borrowers qualify for a 0% down payment.
Tips for finding the best mortgage rates:
Get rates from multiple lenders. Credible uses a soft credit check that lets you request prequalified mortgage rates from multiple lenders without affecting your credit score. Other sites might do a hard credit pull when checking your rates. If you “rate shop” during a 45-day window, there's usually little impact on your credit score as multiple hard credit pulls are considered to be one hard credit pull for purposes of credit report.
Don't rely on generic rate tables. Comparison sites publish marketed rates or rely on self-reported credit scores to generate “personalized rates” that can be off the mark. Credible is much more than a comparison site and is integrated with lenders and credit bureaus so you can get actual, prequalified rates in minutes.
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