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Loan TypeDown PaymentTermsMortgage Insurance
Fixed Rate Mortgage
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5%15 or 30 years, fixedNo (if under 80% loan-to-value)
FHA Loan
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3.5%10, 15, 20, 25 or 30 years, fixed and adjustableYes
VA Loans
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None15, 20, 25 or 30 years, fixed and adjustableNo
Jumbo Loans
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20%15 or 30 years, fixed and adjustableNo
Rural Housing (USDA) Loans
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None30 years, fixedNo (Up-Front Guarantee Fee financed into loan)
FHA 203(k) Loan
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3.5%30 years, fixedYes
Adjustable Rate Mortgage (ARM)
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Varies3/1, 5/1, 7/1 or 10/1Varies
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FIRST STEP MORTGAGE

7070 Knights Ct, Suite 402
Missouri City, Texas 77459
(832) 212-6693
NMLS# 1898998

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