Finding the right loan program to fit your needs shouldn't be difficult. With PRMI, we make finding the right mortgage simple, so you can spend more time finding your dream home or planning on how to invest your refinance savings.

Down Payment Terms Credit Score Mortgage Insurance Maximum Loan
Conventional
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5% 15 or 30 years, fixed 620 minimum No (if under 80% loan-to-value) Varies by area
FHA Loan
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3.5% 10, 15, 20, 25 or 30 years, fixed and adjustable 640 minimum (unless approved by FHA Choice) Yes Varies by area
VA Loans
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None 15, 20, 25 or 30 years, fixed and adjustable 620 minimum No Varies by area
Jumbo Loans
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20% 15 or 30 years, fixed and adjustable 700 minimum No $2.5 million
Rural Housing (USDA) Loans
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None 30 years, fixed 640 minimum No (Up-Front Guarantee Fee financed into loan) Varies by area
FHA Choice Loan
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3.5% 30 years, fixed 500 minimum Yes Varies by area
FHA 203(k) Loan
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3.5% 30 years, fixed 640 minimum Yes Varies by area
Adjustable Rate Mortgage (ARM)
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Varies 3/1, 5/1, 7/1 or 10/1 Varies Varies Varies
HARP Refinance
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None Multiple years, fixed and adjustable 620 minimum Yes $417,000