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Loan Options

Conventional Loan

The most popular type, this loan type is the way to go for a primary residence, vacation home, or rental property. A Conventional mortgage can offer great rates to those who qualify. We have down payment options starting at 3%, and once you’ve paid 20% of your loan, your mortgage insurance goes away.

VA Home Loan

The VA mortgage is fully backed by the U.S. government and is one of the most attractive and flexible mortgages available to active-duty, reservists, and prior-service veterans. It offers up to 100% financing for homebuyers with sufficient entitlement to qualify and does not require monthly private mortgage insurance.

*Guaranteed Rate, Inc DBA Owning is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

FHA Home Loans

The Federal Housing Administration (FHA) insures FHA home loans. Because of that, FHA-approved lenders can offer these more flexible loans because borrowers using an FHA loan pay mortgage insurance (MI), which protects the lender in case the borrower defaults.

*Guaranteed Rate, Inc DBA Owning is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

Jumbo Loan

A jumbo mortgage offers financing for those homes with a price tag that exceeds the conforming loan limits. In 2022, the Federal Housing Finance Agency (FHFA) raised the maximum conforming loan limit for a single-family property to $647,200. In high-cost areas, that maximum loan limit is $970,800. Jumbo financing becomes an option if you are over that limit.

Refi

A refinance (or “refi” as it is commonly referred to) is simply a way to replace your original mortgage agreement with a new contract that contains updated terms and rates that are more attractive. You may be looking to shorten your loan term, change from a variable rate to a fixed rate and even take out cash to use towards renovations or consolidate debt. There are many reasons individuals may desire a refi, but the catalyst for acting is more often than not a low interest rate environment that holds the potential to reduce your payments and save you money.

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Owning is a division of Guaranteed Rate, Inc, NMLS #2611
Headquarters: 3940 N Ravenswood, Chicago IL 60613

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For licensing information, go to: www.nmlsconsumeraccess.org

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This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

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