I match each client with the program that fits their goals, budget, and situation.
Not government-backed, conventional loans typically offer lower total costs for well-qualified buyers. With 20% down, you eliminate private mortgage insurance entirely and enjoy the most competitive rates available.
Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with past credit challenges. This program has helped thousands of families get their foot in the door when conventional financing wasn't available.
Exclusive to veterans, active-duty service members, and eligible surviving spouses. Zero down payment and no private mortgage insurance required. This program can save eligible buyers tens of thousands of dollars over the life of their loan.
When your dream home exceeds conforming loan limits ($766,550 in most areas), a jumbo loan fills the gap. These loans require stronger qualifications but offer the financing power needed for premium real estate. I'll structure the right deal for your high-value purchase.
Refinancing replaces your existing mortgage with a new one — often at a lower rate, shorter term, or to access your home's built-up equity. I'll run the numbers to show you exactly what you'd save on monthly payments, interest, or renovation funds.
| Feature | Conventional | FHA | VA | Jumbo |
|---|---|---|---|---|
| Min. Down Payment | 3% | 3.5% | 0% | 10–20% |
| Min. Credit Score | 620 | 580 | ~620 | 700+ |
| PMI Required | If <20% down | Yes (MIP) | Never | Varies |
| Government Backed | No | Yes (FHA) | Yes (VA) | No |
| Loan Limit | $766,550 | $498,257 | No limit | Above limits |
| First-Time Buyers | Yes | Yes | Yes | Qualified |
| Investment Property | Yes | No | No | Yes |
| Military Required | No | No | Yes | No |
* Limits, rates, and requirements subject to change. Contact Stella for current program details.
Use this quick calculator for a ballpark figure. Then reach out for your actual personalized quote — which accounts for your credit score, taxes, insurance, and more.