Loan TypeDown PaymentTermsMortgage Insurance
Fixed Rate Mortgages
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5%15 or 30 years, fixedNo (if under 80% loan-to-value)
FHA Home Loans
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3.5%10, 15, 20, 25 or 30 years, fixed and adjustableYes
VA Home Loans
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None15, 20, 25 or 30 years, fixed and adjustableNo
Jumbo Home Loans
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20%15 or 30 years, fixed and adjustableNo
USDA Home Mortgages
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None30 years, fixedNo (Up-Front Guarantee Fee financed into loan)
Renovation Mortgage 203(k)
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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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Bay Area Loan Source

3650 Mt. Diablo Blvd #240
Lafayette, California 94549
(925) 299-5390
NMLS# 242483

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