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Know Your Lending Options.

The more you know about home loans, the better you will fare in the application process. Home loans differ in multiple ways, offering borrowers options to meet diverse needs. loanDepot will help prepare you to partner with the lender who offers the best home loan for your unique needs. If multiple loan types fit your situation, you can investigate different loan scenarios and then request quotes from several lenders to shop the best deal.  Read on to learn about the categories of home loans as you begin the exciting process to home ownership.

Most home loans that borrowers pursue are conventional home loans. (“Conventional” in this case means that the loan is not part of a government program.) These loans are more affordable than Federal Housing Administration (FHA) loans, however, qualifying for a conventional loan may be more difficult for those with marginal credit or income.
Conventional home loans are subdivided into two categories: conforming loans and non-conforming loans. The government sets the maximum loan amount for conforming loans, while the other stipulations of these loans are defined by