Choosing the wrong mortgage type can cost Virginia homebuyers tens of thousands of dollars over the life of a loan. That’s not a hypothetical. With Henrico County median home prices ranging from $390,000 to $430,000 (Virginia Association of Realtors data) and the 2025 conforming loan limit set at $806,500 for most Virginia markets (Federal Housing Finance Agency, fhfa.gov), the loan type you select directly determines your interest rate, monthly payment, down payment requirement, and total long-term cost.
This guide is written for first-time buyers in Richmond and Short Pump, move-up buyers in Chesterfield and Midlothian, veterans in Hampton Roads, Williamsburg, and Stafford, self-employed borrowers and real estate investors across Virginia, and homeowners in Fredericksburg, Virginia Beach, Roanoke, and Lynchburg considering a refinance. If you’re anywhere in Virginia, Florida, Tennessee, or Georgia, this breakdown applies to you.
Eight loan types are covered here: Conventional, FHA, VA, USDA, Jumbo, Adjustable-Rate, Non-QM, and Refinance options. Each section includes real payment comparisons, qualification thresholds, and worked math so you can evaluate your options with clarity.
One structural advantage worth noting before you dive in: ShopMortgageRates.com shops hundreds of lenders simultaneously using Vantage Score 4.0 NoTouch Credit, meaning your initial pre-qualification involves no hard credit pull and no impact to your score. That’s a meaningful difference when you’re comparing loan types and lenders side by side.
This guide was prepared by Duane Buziak, Mortgage Maestro, NMLS#1110647, licensed in VA, FL, TN, and GA.
1. Conventional Loans: The Benchmark for Well-Qualified Buyers
The Challenge It Solves
Many Virginia buyers default to whatever loan their bank offers without realizing conventional financing often delivers the lowest total cost for borrowers with solid credit and documented income. The challenge is knowing when conventional is genuinely the best fit versus when a government-backed option would serve you better.
The Strategy Explained
Conventional loans are not government-backed. They conform to guidelines set by Fannie Mae and Freddie Mac and are the most widely used loan type in Virginia markets like Glen Allen, Henrico, and Chesterfield. The 2025 baseline conforming loan limit is $806,500 for one-unit properties (FHFA, fhfa.gov). Loans above that threshold become jumbo loans, which carry different qualification requirements covered in Section 5.
To qualify for a conventional loan, most lenders require a minimum 620 credit score per Fannie Mae/Freddie Mac published guidelines. A 20% down payment eliminates private mortgage insurance (PMI). Below 20% down, PMI is added to your monthly payment until you reach 20% equity, at which point it can be cancelled, unlike FHA mortgage insurance which carries different removal rules.
30-Year vs. 15-Year Conventional Payment Comparison
The table below uses a $400,000 loan amount for illustration. Rates are for illustrative purposes only and change daily. Contact ShopMortgageRates.com for current rates. Actual rates and payments vary based on creditworthiness, loan amount, and market conditions.
$400,000 Loan | Illustrative Rate Comparison
30-Year Fixed at 7.00%: Estimated monthly principal and interest = $2,661 | Total interest paid over life of loan = approximately $558,000
15-Year Fixed at 6.25%: Estimated monthly principal and interest = $3,430 | Total interest paid over life of loan = approximately $217,000
Difference: The 15-year payment is approximately $769/month higher, but you pay roughly $341,000 less in total interest and own the home free and clear in half the time.
Pro Tips
PMI is not permanent on conventional loans. Once you reach 20% equity through payments or appreciation, you can request cancellation. Lenders are required to automatically cancel PMI at 22% equity under the Homeowners Protection Act. If you have a 680+ credit score and 5–10% down, conventional with PMI often beats FHA in total cost once you factor in FHA’s mortgage insurance structure. Use a mortgage savings calculator to run the numbers on both before deciding.
2. FHA Loans: The Path Forward When Credit or Down Payment Is the Barrier
The Challenge It Solves
Credit challenges and limited savings are the two most common reasons Virginia buyers believe they cannot qualify for a mortgage. FHA loans exist specifically to bridge that gap. Many Richmond, Fredericksburg, and Hampton Roads buyers who receive a turndown from a conventional lender convert successfully to FHA financing.
The Strategy Explained
FHA loans are insured by the U.S. Department of Housing and Urban Development (HUD, hud.gov). Per published HUD guidelines, FHA accepts credit scores as low as 500 with 10% down and 580 with 3.5% down. That flexibility makes FHA a genuine option for buyers with recent credit events or thin credit files.
The tradeoff is mortgage insurance. FHA charges an upfront mortgage insurance premium (UFMIP) of 1.75% of the base loan amount, financed into the loan, plus an annual MIP that varies by loan term, LTV, and loan amount. For a 30-year loan with less than 10% down, annual MIP currently applies for the life of the loan per HUD guidelines. Verify current MIP rates at hud.gov before making decisions.
FHA loan limits are set by county. For current Virginia county-specific FHA loan limits, see: HUD FHA Mortgage Limits.
MIP Breakeven Math: FHA vs. Conventional with PMI
Using a $350,000 purchase price with 3.5% down ($12,250), the FHA base loan amount is $337,750. Upfront MIP at 1.75% = $5,911 financed into the loan, making the financed amount approximately $343,661. Annual MIP at a current applicable rate adds to the monthly payment for the life of the loan.
By contrast, a conventional loan at the same price with 5% down ($17,500) and PMI typically allows PMI cancellation once equity reaches 20%. If the home appreciates, you may reach that threshold faster. The breakeven point between the two structures depends on your credit score, down payment, and projected time in the home. Understanding the key differences is essential — review a detailed FHA vs. conventional loan comparison before making your final decision.
All payment examples are for illustrative purposes only. Rates change daily. Contact ShopMortgageRates.com for current rates. Actual rates and payments will vary based on creditworthiness, loan amount, and market conditions.
Pro Tips
FHA is not just for first-time buyers. Any borrower meeting credit and income guidelines can use FHA financing. If you’ve had a bankruptcy, foreclosure, or short sale, FHA has defined waiting periods that are often shorter than conventional guidelines. Check current HUD waiting period guidelines at hud.gov.
3. VA Loans: The Most Powerful Benefit Available to Virginia’s Military Community
The Challenge It Solves
Veterans, active-duty service members, and surviving spouses in Hampton Roads, Williamsburg, Stafford, and Fredericksburg often don’t realize the full financial power of their VA loan entitlement. Zero down payment, no PMI, and competitive rates make VA loans one of the most cost-effective mortgage structures available anywhere in the market.
The Strategy Explained
VA loans are guaranteed by the U.S. Department of Veterans Affairs (VA.gov). Eligible borrowers include veterans, active-duty service members with sufficient service, National Guard and Reserve members meeting service requirements, and surviving spouses. Full eligibility details are published at VA.gov.
There is no down payment requirement for eligible borrowers using full entitlement, and there is no private mortgage insurance. The primary cost is the VA funding fee, which is financed into the loan. The fee varies by down payment amount and whether it’s a first or subsequent use. Understanding the full scope of VA loan benefits can help eligible borrowers maximize this powerful program.
VA Funding Fee Table (Per VA.gov — Verify Current Rates)
First Use, 0% Down: 2.15% of loan amount
First Use, 5–9.99% Down: 1.50% of loan amount
First Use, 10%+ Down: 1.25% of loan amount
Subsequent Use, 0% Down: 3.30% of loan amount
Subsequent Use, 5–9.99% Down: 1.50% of loan amount
Subsequent Use, 10%+ Down: 1.25% of loan amount
Note: Certain veterans with service-connected disabilities may be exempt from the funding fee. Verify current fee tables at va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/ before making financial decisions.
VA vs. FHA vs. Conventional: Monthly Payment Comparison
Using a $400,000 purchase price at illustrative rates. Rates are for illustrative purposes only and change daily. Actual rates and payments vary based on creditworthiness, loan amount, and market conditions.
VA Loan (0% down, no PMI, 2.15% funding fee financed): Base loan = $408,600 | No monthly PMI/MIP | Estimated P&I at 6.75% = approximately $2,650/month
FHA Loan (3.5% down, MIP for life of loan): Base loan = $386,000 | UFMIP financed = $392,755 | Add annual MIP to monthly payment | Estimated P&I + MIP at 7.00% = approximately $2,750–$2,850/month
Conventional (5% down, PMI until 20% equity): Loan = $380,000 | Add PMI ~$100–$200/month until equity threshold | Estimated P&I at 7.00% = approximately $2,530 + PMI
The VA loan eliminates ongoing insurance costs entirely. Over a 30-year loan, that difference is substantial.
Pro Tips
VA entitlement can be restored after a prior VA loan is paid off or assumed. Borrowers with partial entitlement may still qualify for a VA loan above their remaining entitlement with a down payment. For PCS moves and military relocation scenarios common in Stafford, Fredericksburg, and the Hampton Roads corridor, VA loans can be assumed by qualified buyers, which is a significant benefit in higher-rate environments. Service members in the region should also review Stafford County mortgage options tailored specifically to military buyers in that market.
4. USDA Loans: Zero Down for Rural and Suburban Virginia Buyers
The Challenge It Solves
Many Virginia buyers in communities like Lake Anna, Goochland, Louisa, Caroline County, Hanover, Ashland, and parts of Albemarle assume they need a significant down payment to purchase a home. USDA Rural Development loans offer zero-down financing for income-eligible buyers in USDA-designated eligible areas, and the eligible footprint in Virginia is larger than most buyers expect.
The Strategy Explained
USDA loans are backed by the U.S. Department of Agriculture’s Rural Development program (rd.usda.gov). They require no down payment and carry competitive rates. Eligibility is determined by two factors: property location must fall within a USDA-eligible area, and household income must be within program limits for the county.
USDA charges an upfront guarantee fee (currently 1.0% of the loan amount, financed into the loan) and an annual fee (currently 0.35% of the outstanding balance, paid monthly). Verify current fee rates at rd.usda.gov before making financial decisions. These fees are meaningfully lower than FHA’s MIP structure for many borrowers. Working with experienced USDA mortgage lenders in Virginia ensures you navigate eligibility requirements correctly from the start.
USDA Guarantee Fee vs. FHA MIP Comparison
Using a $300,000 loan amount for illustration. All figures are for illustrative purposes only. Contact ShopMortgageRates.com for current rates and program-specific costs.
USDA Upfront Guarantee Fee: 1.0% = $3,000 financed | Annual fee at 0.35% = approximately $87.50/month initially, declining as balance is paid down
FHA Upfront MIP: 1.75% = $5,250 financed | Annual MIP varies by LTV and term, typically higher than USDA annual fee for comparable loan amounts, and applies for the life of the loan on loans with less than 10% down
For USDA-eligible borrowers, the lower insurance costs can translate to meaningful monthly savings compared to FHA. The key constraint is geographic eligibility.
Virginia USDA Eligible Communities
The following Virginia areas have historically included USDA-eligible properties: Lake Anna, Goochland County, Louisa County, Caroline County, parts of Hanover County, Ashland, parts of Albemarle County, and many rural communities throughout the state. Eligibility maps change periodically. Always verify current property eligibility at the official USDA eligibility map: rd.usda.gov eligibility portal.
Pro Tips
USDA income limits are based on total household income, not just the borrower’s income. All household members’ income counts toward the limit. Moderate-income households that exceed the guaranteed loan program limits may qualify for the USDA Direct loan program, which has different terms. Always check both programs if your income is near the threshold boundary.
5. Jumbo Loans: Financing High-Value Virginia Properties Above the Conforming Limit
The Challenge It Solves
Virginia buyers purchasing higher-value properties in markets like Short Pump, parts of Henrico, Charlottesville, or coastal Virginia Beach often find themselves above the $806,500 conforming loan limit. At that threshold, standard Fannie Mae/Freddie Mac guidelines no longer apply, and a jumbo loan becomes necessary. Understanding the qualification differences and cost tradeoffs is essential before you commit to a purchase price in this range.
The Strategy Explained
Jumbo loans finance amounts above the FHFA conforming loan limit, currently $806,500 for most Virginia counties (FHFA, fhfa.gov). Because these loans cannot be sold to Fannie Mae or Freddie Mac, lenders hold them on their own books or sell to private investors, which means stricter qualification standards and potentially different pricing. Reviewing jumbo loan requirements in Virginia before you begin your property search can save significant time and frustration.
Typical jumbo qualification requirements include higher credit score minimums (often 700+, though this varies by lender), lower debt-to-income ratios, larger cash reserves (often 6–12 months of payments post-close), and more thorough income documentation. Down payment requirements typically start at 10–20%.
Jumbo vs. Conforming Piggyback Structure: Breakeven Math
Consider a $900,000 purchase price. One approach is a single jumbo loan for $720,000 (20% down). Another approach is a conforming first mortgage at $806,500 plus a second mortgage (HELOC or piggyback) covering the remaining balance. The comparison depends on the rate spread between jumbo and conforming rates at the time of application.
For illustrative purposes only: if a jumbo loan carries a rate 0.25–0.50% higher than a conforming loan, the piggyback structure may produce a lower blended rate. However, the second mortgage rate must also be factored in. This is a calculation worth running with actual current rates. Contact ShopMortgageRates.com for a side-by-side analysis. Rates change daily. Actual rates and payments vary based on creditworthiness, loan amount, and market conditions.
Jumbo vs. Conforming: Key Qualification Differences
Conforming Loan (up to $806,500): Credit score minimum typically 620+ | DTI up to 45–50% in some cases | Reserves typically 2–6 months | Standard income documentation
Jumbo Loan (above $806,500): Credit score minimum often 700+ | DTI typically capped lower | Reserves often 6–12 months required | Enhanced income documentation | No standard government guidelines — varies by lender
Pro Tips
Because jumbo guidelines vary significantly by lender, shopping multiple lenders is especially important in this category. Lenders like Rocket Mortgage, Guild Mortgage, and others each have their own jumbo overlays. ShopMortgageRates.com’s access to hundreds of lenders simultaneously is particularly valuable here, where a single lender’s overlay could mean the difference between approval and denial on the same borrower profile.
6. Adjustable-Rate Mortgages: Lower Initial Rates with a Defined Risk Profile
The Challenge It Solves
In higher-rate environments, many Virginia buyers look for ways to reduce their initial monthly payment without sacrificing loan quality. Adjustable-rate mortgages offer a lower fixed rate for an initial period before adjusting annually. The key is understanding the cap structure and worst-case payment scenario before committing. The CFPB provides consumer guidance on ARMs at consumerfinance.gov.
The Strategy Explained
Common ARM structures include the 5/1 ARM (fixed for 5 years, adjusts annually thereafter), the 7/1 ARM (fixed for 7 years), and the 10/1 ARM (fixed for 10 years). The initial rate is typically lower than a 30-year fixed rate. After the fixed period, the rate adjusts based on a market index plus a margin, subject to periodic and lifetime caps.
Cap structures are expressed as three numbers, for example 2/2/5: the first adjustment is capped at 2%, each subsequent annual adjustment is capped at 2%, and the lifetime cap above the initial rate is 5%. Understanding the worst-case scenario is not optional. It is essential. Tracking mortgage rates in real time helps ARM borrowers identify the optimal moment to refinance into a fixed-rate loan before adjustments begin.
30-Year Fixed at 7.00%: Monthly P&I = approximately $2,661 | Predictable for 30 years
7/1 ARM at 6.25%: Monthly P&I for years 1–7 = approximately $2,463 | Monthly savings vs. fixed = approximately $198/month | 7-year total savings = approximately $16,632
Worst-Case Scenario (2/2/5 cap, starting at 6.25%): Year 8 max rate = 8.25% | Monthly P&I at 8.25% on remaining balance = approximately $2,900+ | Year 9 max = 10.25% | Lifetime cap = 11.25%
The breakeven question: if you sell or refinance before year 7, the ARM saves money. If you hold through the adjustment period and rates rise to the cap, you pay significantly more. This math must be run with your specific loan amount and current market rates.
Ideal ARM Borrower Profiles
Military PCS Buyers: Service members in Stafford, Fredericksburg, and Hampton Roads with defined 3–5 year assignment windows can capture initial ARM savings and sell or refinance before adjustments begin.
Defined Time Horizon Buyers: Buyers who are confident they will sell within the fixed period based on career, family, or relocation plans.
Buyers Expecting Income Growth: Borrowers who can absorb a potential payment increase if the ARM adjusts upward.
Pro Tips
Never choose an ARM without running the worst-case payment scenario. If the maximum adjusted payment would strain your budget, the ARM is not the right product regardless of the initial savings. The CFPB’s ARM disclosure requirements mean your lender is required to show you this math. Ask for it in writing before you sign.
7. Non-QM Loans: Bank Statement and DSCR Financing for the Self-Employed and Investors
The Challenge It Solves
Self-employed borrowers and real estate investors represent a large segment of Virginia’s buyer pool, from Richmond entrepreneurs to Charlottesville business owners to investors acquiring rental properties across the state. Conventional and FHA loans require W-2 income documentation that doesn’t reflect how these borrowers actually earn. Non-QM loans solve the documentation problem without requiring borrowers to misrepresent their financial picture.
The Strategy Explained
Non-QM (non-qualified mortgage) loans do not conform to the CFPB’s qualified mortgage rule but are legal, legitimate loan products offered by specialty lenders. Two primary types are relevant here.
Bank Statement Loans: Instead of tax returns and W-2s, qualification is based on 12 or 24 months of bank statements showing consistent deposits. Lenders calculate income by averaging deposits and applying an expense factor. This approach captures the actual cash flow of self-employed borrowers whose tax returns show lower income due to legitimate business deductions. Credit flexibility can extend down to 500 on some programs, though terms improve significantly with higher scores. Borrowers who need this type of flexibility should explore stated income mortgage options available in Virginia.
DSCR Loans (Debt Service Coverage Ratio): Designed for real estate investors, DSCR loans qualify based on the property’s rental income rather than the borrower’s personal income. This removes the W-2 requirement entirely for investment property purchases.
DSCR Formula: Worked Example
DSCR = Gross Monthly Rental Income ÷ Total Monthly Debt Service (PITIA: principal, interest, taxes, insurance, and association dues)
Example: A Richmond rental property generates $2,200/month in gross rent. The proposed monthly PITIA payment is $1,800. DSCR = $2,200 ÷ $1,800 = 1.22.
A DSCR of 1.0 means rental income exactly covers the payment. Most DSCR programs require a minimum ratio of 1.0 to 1.25. A DSCR of 1.22 would qualify under many programs. A property with a DSCR below 1.0 (negative cash flow) may still qualify under some programs at adjusted terms.
DSCR Loan Scenario: An investor owns four rental properties and cannot qualify for additional conventional loans due to debt-to-income constraints. A DSCR loan evaluates only the subject property’s income, bypassing personal DTI entirely. This is a common conversion path from conventional turndown to Non-QM approval. Investors pursuing this strategy should review investment property financing strategies to understand the full range of options available.
Pro Tips
Non-QM loans carry higher rates than conventional or government-backed loans, reflecting the additional risk and documentation flexibility. The rate premium is the cost of the alternative documentation structure. For borrowers who cannot qualify conventionally, the relevant comparison is not “Non-QM rate vs. conventional rate” but rather “Non-QM rate vs. not buying at all.” Many investors find the DSCR structure cash-flow positive even at Non-QM rates when the property income supports the payment.
8. Refinance Loan Types: Rate/Term, Cash-Out, and Streamline Options
The Challenge It Solves
Virginia homeowners who purchased in recent years at higher rates, or who have built substantial equity, often have refinance opportunities they haven’t fully evaluated. The challenge is determining whether a refinance makes mathematical sense for your specific situation, and which refinance structure serves your goal: lower payment, equity access, or reduced loan term.
The Strategy Explained
Three primary refinance structures exist for Virginia homeowners.
Rate/Term Refinance: Replaces your existing loan with a new loan at a lower rate and/or different term. No cash is taken out beyond closing costs. The goal is reducing your monthly payment, reducing total interest paid, or shortening your loan term.
Cash-Out Refinance: Replaces your existing loan with a larger loan, with the difference paid to you in cash. Standard conventional cash-out is typically limited to 80% LTV. ShopMortgageRates.com offers cash-out refinance options up to 90% LTV, which is higher than the standard conventional limit at many lenders, including Rocket Mortgage, PrimeLending, and Alcova Mortgage, which typically cap conventional cash-out at 80% LTV. Virginia homeowners looking to maximize equity access should compare cash-out refinance rates across multiple lenders before committing.
Streamline Refinances: VA IRRRL (Interest Rate Reduction Refinance Loan) and FHA Streamline refinances allow eligible borrowers to refinance with reduced documentation requirements. These programs are designed specifically to lower the rate or payment on an existing government-backed loan with minimal underwriting friction. VA IRRRL details are available at va.gov. FHA Streamline details are available at hud.gov.
Rate/Term Refinance Breakeven Math
Using a $380,000 remaining loan balance. Rates are for illustrative purposes only and change daily. Actual rates and payments vary based on creditworthiness, loan amount, and market conditions.
Current Loan at 7.50%: Monthly P&I = approximately $2,658
Refinanced Loan at 6.75%: Monthly P&I = approximately $2,466
Monthly Savings: approximately $192/month
Estimated Closing Costs: $6,000–$8,000 (varies by lender and loan structure)
Breakeven Calculation: $7,000 closing costs ÷ $192/month savings = approximately 36 months to breakeven. If you plan to stay in the home longer than 36 months, the refinance makes mathematical sense. If you plan to sell or move within 36 months, the upfront cost outweighs the savings. A detailed streamline refinance comparison can help eligible borrowers determine whether a reduced-documentation option delivers faster savings.
Cash-Out Equity Scenario Table
Using a home valued at $450,000 with a $250,000 remaining mortgage balance. Rates and terms are for illustrative purposes only. Contact ShopMortgageRates.com for current rates. Actual rates and payments vary based on creditworthiness, loan amount, and market conditions.
Standard 80% LTV Cash-Out: Maximum new loan = $360,000 | Payoff existing $250,000 | Cash available = $110,000
90% LTV Cash-Out (available through ShopMortgageRates.com): Maximum new loan = $405,000 | Payoff existing $250,000 | Cash available = $155,000
Difference: The 90% LTV option provides $45,000 more in accessible equity compared to the standard 80% conventional limit. This additional access can fund home improvements, debt consolidation, or investment property down payments.
When Refinancing Does Not Make Mathematical Sense
A refinance is not always the right move. If your rate reduction is less than 0.50%, closing costs may never be recovered within a reasonable time horizon. If you are more than 20 years into a 30-year loan, resetting to a new 30-year term restarts your amortization and increases total interest paid significantly. If you plan to sell within 2–3 years, breakeven math rarely favors refinancing. Always run the numbers before committing.
Pro Tips
For VA IRRRL refinances, the VA requires that the new loan produce a lower monthly payment (with limited exceptions). For FHA Streamline refinances, a net tangible benefit must be demonstrated. Both programs reduce documentation requirements but still require you to be current on your existing loan. Contact ShopMortgageRates.com to run a side-by-side comparison of streamline vs. full refinance options for your specific loan.
Your Mortgage Decision Framework: Putting It All Together
Most Virginia buyers benefit from evaluating multiple loan types simultaneously rather than assuming one path is correct. Here is a straightforward decision framework to identify your starting point.
Are you a veteran, active-duty service member, or surviving spouse? Start with VA. Zero down, no PMI, and competitive rates make it the strongest option for eligible borrowers in Hampton Roads, Stafford, Fredericksburg, and across Virginia.
Is the property in a rural or suburban area like Lake Anna, Goochland, Louisa, or Caroline County? Check USDA eligibility first. Zero down with lower insurance costs than FHA is a compelling combination for income-eligible buyers.
Do you have credit challenges or limited down payment? FHA’s 3.5% down at 580+ credit score (or 10% down at 500+) provides an accessible path. Compare total MIP cost against conventional PMI before deciding.
Do you have strong credit and documented W-2 income? Conventional is likely your benchmark. Compare 30-year and 15-year structures based on your long-term goals.
Is the purchase price above $806,500? Evaluate jumbo financing and the conforming piggyback structure side by side. The rate spread at the time of application determines which is more cost-effective.
Are you self-employed or purchasing an investment property? Non-QM bank statement or DSCR loans may be your most viable path. Run the DSCR formula on any investment property before assuming conventional qualification.
Do you have a defined short time horizon? An ARM may save meaningful money if you will sell or refinance within the fixed period. Always model the worst-case adjusted payment before committing.
The most important step is comparing multiple loan types with actual current rates before you commit to one path. Securely pre-qualify in minutes at ShopMortgageRates.com using Vantage Score 4.0 NoTouch Credit: no hard pull, no credit score impact, and access to hundreds of lenders simultaneously. That structural advantage is not available at single-lender platforms like Rocket Mortgage, Movement Mortgage, Veterans United, or PrimeLending, each of which offers their own products only.
To discuss your specific situation and run the numbers across loan types, contact Duane Buziak, Mortgage Maestro, NMLS#1110647, directly at ShopMortgageRates.com.