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Types of Loans

Your situation is unique. Each loan type is not a one-size-fits-all solution. That’s why you need a unique mortgage that fits just right for you. My Perfect Mortgage can help you explore your loan options and help to find the right loan for you.
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Choosing the Right Loan for You

Whether you’re looking for a new home mortgage or a home refinance loan, you have options. Consider things such as loan term, interest rate, and if there are special circumstances to qualify for the loan, such as military service. The perfect lender for you will walk you through these options and help you get your perfect mortgage. 

Get started with My Perfect Mortgage. Answer a few questions and we’ll match you with one of our trusted and experienced lending professionals.

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Commonly Asked Loan Questions

How much of a mortgage can I qualify for?

You can get pre-qualified with a lender to get an idea of how much home you can afford. A pre-approval letter will also help you when you make an offer on a house. There are also online tools that can give you a rough estimate.

If I have bad credit or have had a foreclosure, can I still get a loan?

Be upfront with your lender about any concerns you have. They’ll help to guide you to your next step. There are also loan programs with easier credit qualifications than others.

Which loan should I get if I have a small down payment?

An FHA loan only requires 3.5% of a down payment. Other loan programs have low down payment requirements as well. Be sure to ask your lender for details as not every loan product requires 20% down. 

What’s my first step in getting a loan?

Shop for lenders and compare their rates. You’ll also need to complete a loan application. Answer a few questions on My Perfect Mortgage and get matched with our trusted and experienced lending partners. 

How do I know when I’m ready for a mortgage?

Ask yourself a few questions. Am I ready to settle in one place? What is my financial situation? How does my credit look? Only you’ll know when you’re ready, but there are a few things you can look at to help you decide.

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