Jumbo: Mortgage amounts over $417,000. Borrower's income, assets and liabilities are considered to qualify.
No Income/No Asset Verification: Can be either Conforming or Jumbo. Income, assets and liabilities are disclosed but never verified. This program is most commonly used by self-employed individuals. Excellent credit is a must.
Non-conforming: Available in all loan amounts. Non-conforming loans are meant for people with credit problems or unusual situations.
Adjustable Rate Mortgages (ARM's): These loans are fixed for a period of time and then will adjust yearly, or every six months thereafter.
Interest Only: Available in fixed and adjustable programs. These loans offer the lowest payment possible.
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