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Presented by Pioneer Mortgage Funding (PMF, Inc.)

Loan Programs

Pick the program that matches your situation. Each page explains how that loan works, how its rate is set, and who it tends to fit — in plain English.

Buying a home

Conventional fixed-rate loans, government-backed programs, and options for higher-priced homes and condos.

30-Year Fixed (Conventional) The most common conventional mortgage. Stable payment over 30 years. 15-Year Fixed (Conventional) Conventional loan with a lower rate, higher payment and much less total interest. FHA Loan Government-insured loans with flexible credit and 3.5% down. VA Loan No down payment and no monthly mortgage insurance for eligible veterans. Jumbo Loan Loans above the conforming limit for higher-priced homes. Adjustable-Rate Mortgage (ARM) Lower initial rate for a fixed period, then adjusts with the market. Condo Condo pricing, project approval and Florida-specific issues.

Refinancing

Replace your current loan for a better rate or term, or take cash out of your equity.

Refinance Replace your current loan with a new rate or term. Cash-Out Refinance Borrow against equity by refinancing into a larger loan.

Investors and self-employed

Programs that document income differently when tax returns do not tell the whole story.

DSCR Investment Property Loan Investor loans qualified on the property's rent, not your tax returns. Bank Statement Loan Self-employed financing based on 12 or 24 months of deposits.

Understanding rate pricing

How buydowns and credit scores change the rate you are actually offered.

Rate Buydowns: Temporary (2-1) and Permanent Pay upfront, usually via seller credit, to lower the rate. Mortgage Rates by Credit Score How the 620 to 780+ tiers change what you pay.

Not sure which program fits?

Most people qualify for more than one, and the cheapest-looking rate is not always the cheapest loan once mortgage insurance, points and how long you will keep the home are counted. Tell us your scenario and a licensed Mortgage Loan Originator will compare the realistic options side by side.

Get a personalized rate from Pioneer Mortgage Funding

Daily Mortgage Rates is published by PMF, Inc. d/b/a Pioneer Mortgage Funding, NMLS #1980 · Branch NMLS #2681379 · Mortgage Loan Originator: Brendin Straubel, NMLS #1757609 · 401 E Jackson St, Suite 2340, Tampa, FL 33602 · 813-728-7764 · [email protected]. Verify licensing at nmlsconsumeraccess.org.