Mortgage options

Choosing the right mortgage is as important as finding the right home. At Impact Mortgage Group, we understand that everyone's financial situation and goals are unique. As a broker, we have access to a broad range of mortgage products from various lenders, allowing us to find the perfect fit for you.


Conventional Loans

Conventional loans are not insured by the federal government, making them a popular choice for borrowers with strong credit. They can come with fixed or adjustable rates and various term lengths. Conventional loans often require a higher down payment, but they offer more flexibility in terms of property type and use.


FHA Loans

Backed by the Federal Housing Administration, FHA loans are designed for first-time buyers and those with lower credit scores. They offer lower down payments and more flexible credit requirements compared to conventional loans.

More About FHA Loans


VA Loans

Available to active service members, veterans, and eligible surviving spouses, VA loans offer significant benefits such as no down payment, no private mortgage insurance, and competitive interest rates.

More About VA Loans


USDA Loans

USDA loans, backed by the United States Department of Agriculture, are designed for homebuyers in rural and some suburban areas. They offer 100% financing, meaning no down payment is required, and typically come with lower interest rates.

More About USDA Loans


Jumbo Loans

Jumbo loans are for homebuyers looking to finance a home that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. They typically require a larger down payment and have stricter credit requirements, but allow you to finance larger properties and luxury homes.


Adjustable-Rate Mortgages (ARMs)

ARMs come with interest rates that adjust over time, typically starting with a lower rate than fixed-rate mortgages. They could be a good option if you plan to sell or refinance before the rate adjusts.


Fixed-Rate Mortgages

Fixed-rate mortgages come with an interest rate that remains the same for the life of the loan. This provides stability and predictability for your monthly payments.

At Impact Mortgage Group, we're committed to helping you navigate these options and finding a mortgage that aligns with your financial goals. Our team of experienced mortgage professionals is ready to guide you through the complexities of the mortgage landscape.

Please note: This information is provided as a guide and is not intended to replace professional real estate or financial advice. Always consult with a licensed real estate professional and financial advisor for assistance with your specific situation.