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Loan Options
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Loan Options
Getting the right mortgage loan is important, but it can be confusing. At UV Mortgage, we make this process easier for you. We help you understand different mortgage rates and what each lender offers. Our team will help you every step of the way to find a mortgage that suits your needs.
Conventional Loan
- Suited for individuals with solid credit scores.
- Offers stable and competitive interest rates.
- Requires a standard down payment.
- Provides diverse loan term options.
- Pay 20% upfront, and no extra insurance is needed.
FHA Loan
- Perfect for first-time homebuyers.
- Lower down payments are acceptable.
- Credit score requirements are more relaxed.
- Features government-backed security.
- Allows for higher debt-to-income ratios.
VA Loan
- Exclusively available to military veterans.
- No down payment is required to qualify.
- Does not require PMI.
- VA loans offer competitive interest rates.
- Flexible credit and income standards.
Jumbo Loan
- Financing for homes exceeding conventional loan limits.
- Ideal for luxury properties and expensive housing markets.
- Requires a more substantial down payment.
- Involves a more extensive credit assessment.
- Offers both fixed and adjustable-rate programs.
