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Loan Types

There is no single "best" mortgage — only the loan that fits your goals, credit, and down payment. This hub breaks down FHA, VA, USDA, conventional, jumbo, DSCR, bridge, construction, and renovation loans so you can compare options with confidence and see which programs you may qualify for.

All Loan Types articles & guides

2 min read·Loan Types

Jumbo Loan Down Payment: How Much You Really Need

You don't necessarily need 20% down for a jumbo loan. In 2026, well-qualified borrowers can find financing with as little as 10% down on loans up to roughly $2 million.

3 min read·Loan Types

Jumbo Loan Reserves: Why You May Need Less Than You Think

The generic "6 to 12 months of reserves" answer is often wrong for your situation. Some programs require as little as 3 months for qualifying scenarios.

2 min read·Loan Types

Jumbo vs Conforming: Which One Applies to You?

The difference comes down to one number: whether your loan amount is above or below the 2026 conforming limit of $832,750 (or $1,249,125 in high-cost areas).

4 min read·Loan Types

2026 Conforming Loan Limits by County: High-Cost Areas in the 18 States I Serve

The 2026 baseline conforming loan limit is $832,750, but 9 of the 18 states I'm licensed in have counties with higher limits — here's the exact figure for every above-baseline county.

2 min read·Loan Types

USDA Loan Income Limits 2026: How Much You Can Earn and Still Qualify

The 2026 USDA income limit is $112,450 for a 1-4 person household in most of the country, and $148,450 for a 5-8 person household, higher than most people assume.

2 min read·Loan Types

Is My Address USDA Eligible? How the Rural Map Actually Works

Roughly 97% of U.S. land area is USDA-eligible, including far more suburbs than people expect. Eligibility comes down to your exact street address, not your zip code.

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