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Conventional loans are mortgage loans that are not insured or guaranteed by a government agency, typically requiring higher credit scores and down payments based on the lender's private guidelines.
FHA loans are mortgage loans insured by the Federal Housing Administration (FHA) that enable borrowers with lower credit scores and smaller down payments to qualify for homeownership with more flexible lending requirements.
VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs (VA) that offer favorable terms and benefits to eligible military service members, veterans, and their spouses, including no down payment requirements and competitive interest rates.
USDA loans are mortgage loans backed by the United States Department of Agriculture (USDA) that offer affordable financing options for low- to moderate-income borrowers in rural areas, providing 100% financing and flexible eligibility criteria.
Is Your Mortgage Payment Too High? Here’s How to Lower It
Jan 06, 2026
Learn practical ways to lower your mortgage payment through refinancing, PMI removal, insurance savings, and tax appeals.
FHA Compensating Factors: Strengthening Your Loan Application
Dec 30, 2025
Learn how FHA compensating factors can help you qualify for a home loan despite credit or income challenges. Understand what factors matter most.
Merry Christmas
Dec 23, 2025
All of us at Neighborhood Mortgage, Inc. would like to wish you a very Merry Christmas. Thank you for being a valued client and friend. Happy holidays from all of us!
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