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Conventional, FHA, VA and USDA scenarios
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Loan Options
Common Loan Types
General educational information — actual eligibility and terms depend on the borrower, property and lender underwriting.
Conventional Loans
Traditional financing with down payments as low as 3% for eligible borrowers, subject to lender underwriting and credit requirements.
- •3-20% down for eligible borrowers
- •PMI may apply below 20% down
- •Fixed or adjustable terms
- •Credit and income qualification required
FHA Loans
Government-backed financing insured by FHA. Minimum 3.5% down for eligible borrowers, subject to FHA requirements and lender underwriting.
- •3.5% minimum down
- •FHA loan limits apply
- •Mortgage insurance required
- •Eligibility and underwriting apply
VA Loans
A loan benefit for eligible veterans, service members and qualifying spouses. Eligibility is determined by VA/lender requirements.
- •$0 down may be available
- •No monthly mortgage insurance
- •Funding fee may apply
- •VA eligibility required
USDA Loans
Zero-down financing may be available for eligible borrowers and properties in designated areas, subject to household income and property eligibility.
- •$0 down may be available
- •Income limits apply
- •Property eligibility applies
- •Upfront and annual fees apply
Mortgage Guidance
Mark Jones
Branch Manager / Sr. Loan Officer
NMLS #513437 · iTHINK Mortgage powered by Premier Mortgage Resources, LLC (NMLS #1169)
Have a financing question? Mark can help you understand FHA, VA, Conventional, and USDA loan options.
You are free to choose any lender or settlement-service provider. Using Mark Jones, iTHINK Mortgage, or Premier Mortgage Resources is not required to work with Kristin Jones or purchase a property.
Common Questions
Financing FAQ
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Ready to Talk Financing?
Share your information and Kristin can connect you with Mark Jones or another lender of your choice.
Mark Jones · NMLS #513437
iTHINK Mortgage powered by Premier Mortgage Resources, LLC · NMLS #1169
Equal Housing Opportunity
NMLS Consumer AccessYou are free to choose any lender or settlement-service provider. Using Mark Jones, iTHINK Mortgage, or Premier Mortgage Resources is not required to work with Kristin Jones or purchase a property.