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Conventional mortgages keep the same interest rate over the life of your loan, which means your monthly mortgage payment always stays the same. Conventional loans typically come in terms of 15 years, 20 years or 30 years.
VA helps servicemembers, veterans and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain or adapt a home for your own personal occupancy.
An FHA loan is a mortgage insured by the Federal Housing Administration. Allowing down payments as low as 3.5%, FHA loans are helpful for buyers with limited savings or lower credit scores.
A 30-year fixed-rate mortgage is a home loan that maintains the same interest rate and monthly principal-and-interest payment over the 30-year loan period. With a rate that lasts the length of the loan, you’ll want the best rate you can get. Since your rate is most directly impacted by your credit score and down payment, you’ll want to make sure your credit file is accurate — and make a down payment that’s as much as you can easily afford.
You can save money and build home equity faster with a 15-year mortgage than with a 30-year mortgage. But the monthly mortgage payment will be higher on a 15-year mortgage because there is less time to pay off the loan.