Mortgage Guides
Educational information about mortgage options for buying, refinancing, or leveraging your home's equity. Explore different loan types and learn about their characteristics.
Legal Disclaimer: This website provides general mortgage and financial information for educational purposes only. It does not constitute financial, legal, or mortgage advice.
Housentia is not a licensed mortgage broker, lender, or loan originator. Users should consult with a licensed mortgage professional in their state for personalized guidance.
All mortgage calculators, rate information, and loan comparisons are provided for informational and educational purposes only. Actual rates, terms, and eligibility may vary based on individual circumstances and lender requirements.
Conventional Loans
The most common type of mortgage in the U.S. Non-government-backed loans with flexible terms and PMI that can be removed at 80% LTV.
FHA Loans
Loans backed by the Federal Housing Administration. Often used by first-time buyers and those with lower credit scores.
VA Loans
Government-backed loans for veterans and service members. Commonly features low or no down payment options.
Refinance
Explore options to potentially lower your rate, change your term, or access home equity. Learn about refinancing considerations.
HELOC
Home Equity Line of Credit: a type of borrowing that uses your home's equity. Some borrowers use HELOCs for projects or expenses.
Reverse Mortgage
A loan type that converts home equity into cash. Available to homeowners age 62 and older.