Home Purchase Loans

For home buyers, finding the right mortgage can be a big challenge. You will want to work with a lender that can give you the best rate, the right term and the lowest closing costs, as quickly and efficiently as possible.

MVP Lending has picked some of the best loan packages for home buyers in a variety of categories so you can quickly decide which one is right for you. Contact a Loan Adviser

Conventional Loan

What Is a Conventional Loan?

A conventional loan is any type of home loan that is not offered or secured by a government entity. Instead, conventional mortgages are available through private lenders, such as banks, credit unions, and mortgage companies.

Conforming Loan

What Is a Conforming Loan?

A conforming loan is a mortgage that meets the dollar limits set by the Federal Housing Finance Agency (FHFA) and the funding criteria of Freddie Mac and Fannie Mae. For borrowers with excellent credit, conforming loans are advantageous due to their low interest rates.

Nonconforming Loan

What Is a Nonconforming Loan?

A nonconforming mortgage is a mortgage that does not meet the guidelines of government-sponsored enterprises (GSE) such as Fannie Mae and Freddie Mac and, therefore, cannot be sold to them. GSE guidelines consist of a maximum loan amount, suitable properties, down payment requirements, and credit requirements, among other factors.

Jumbo Loan

What Is a Conventional Loan?

A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA). Unlike conventional mortgages, a jumbo loan is designed to finance luxury properties and homes in highly competitive local real estate markets, jumbo mortgages come with unique underwriting requirements and tax implications. These kinds of mortgages have gained traction as the housing market continues to recover.

Are you in need of a loan? Get in touch with us.

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