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Compare Loan Options

Compare Loan Options

Home loans aren’t one-size-fits-all. Whether you’re a first time homebuyer or refinancing your home to save on your monthly payments, 5280 Mortgage™ Loan Services has a wide range of mortgage options to suit your unique needs. See the table below to compare a few key components over a range of mortgage options or, if you already know the details of what you’re looking for, click the button to get a customized rate quote.

Loan Options Low Down Payment Fixed Rate Option Flexible Terms Easier To Qualify
Conventional Loans
A conventional loan is not insured or guaranteed by the federal government, which makes it different from programs like VA, USDA and FHA. These flexible loans allow borrowers to get low rates and often avoid mortgage insurance with a higher down payment.

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Jumbo Loans
A Jumbo Loan is a non-conforming loan used to finance a larger home that’s above the conforming loan limits traditionally accepted by government-sponsored enterprises. A Jumbo Loan allows a borrower with a high credit score and healthy reserves to secure financing for a larger home.

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FHA Loans
The Federal Housing Administration (FHA) mortgage program is managed by the Department of Housing and Urban Development (HUD), which is a division of the federal government. While these kinds of loans are typically most popular with first-time homebuyers, FHA loans are available to all types of borrowers.

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VA Loans
The U.S. Department of Veterans Affairs’ VA loan programs are intended for military service members and their families. Being a government-backed mortgage means that the VA will reimburse the lender for any losses that may result from borrower default, allowing lenders to finance up to 100% of the property’s value.

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USDA Loans
The United States Department of Agriculture (USDA) offers a loan program for borrowers who meet certain income requirements and live within designated “rural” areas. This type of mortgage loan is designed for borrowers who have a steady, low or modest income, and yet are unable to secure a conventional loan. There are income restrictions on these types of loans, which vary by county.

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Investment Property Loans
If you’re looking to purchase a single-family, townhome, condo, or multi-unit property with the intention of earning a return on the investment, an investment loan may be just what you need.

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About Our Home Loan Options

It’s important to compare mortgage options when you’re looking for a new loan. One of the benefits of working with 5280 Mortgage™ is that you get a full range of products so you can compare home loan options and find the one that is best suited to your profile and financial goals. Whether you need to find a loan that allows a lower down payment or you require a flexible term, 5280 Mortgage™ will work with you to find the loan that is right for you.

Resources & Tools

How Much is That House Really Worth?

Whether you’re checking the value of a house you want to buy or the house you need to sell, check our Home Value Estimate to get fast, free home estimates and recent sales information on any property.

Loan Calculator

Armed with today’s rates and information on loan programs, you’ll be able to crunch the numbers before chatting with one of our licensed loan officers.

Customer Reviews & Testimonials

The best place to learn about our commitment to great service is by hearing from one of the thousands of real 5280 Mortgage™ customers we help with their mortgage needs every month. Read about their experiences here.