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 PaymentTermsCredit ScoreMortgage InsuranceMaximum Loan
Conventional
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5%15 or 30 years, fixed620 minimumNo (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 adjustable640 minimum (unless approved by FHA Choice)YesVaries by area
VA Loans
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None15, 20, 25 or 30 years, fixed and adjustable620 minimumNoVaries by area
Jumbo Loans
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20%15 or 30 years, fixed and adjustable700 minimumNo$2.5 million
Rural Housing (USDA) Loans
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None30 years, fixed640 minimumNo (Up-Front Guarantee Fee financed into loan)Varies by area
FHA Choice Loan
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3.5%30 years, fixed500 minimumYesVaries by area
FHA 203(k) Loan
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3.5%30 years, fixed640 minimumYesVaries by area
Adjustable Rate Mortgage (ARM)
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Varies3/1, 5/1, 7/1 or 10/1VariesVariesVaries
HARP Refinance
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NoneMultiple years, fixed and adjustable620 minimumYes$417,000