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Integrity Mortgage

Loan programs

The right loan depends on you, not the lender.

Down payment, credit, location, military service, how long you'll stay. Each program rewards a different situation. Here's the lineup, explained without the jargon.

Find my best fit

Loan types

Mortgage loan options

Government-backed or conventional, zero down or twenty percent, first home or investment property.

Conventional Loans

The most common home loan. Often the best fit for buyers with solid credit, and a way to avoid unnecessary fees.

  • Down payment as low as 3%
  • Credit score as low as 620
  • PMI can be cancelled
Learn more

FHA Loans

A helpful option when you need more flexible credit requirements or a smaller down payment.

  • Down payment as low as 3.5%
  • Credit score as low as 580
  • Mortgage insurance required
Learn more

VA Loans

Qualifying Veterans, service members, and surviving spouses have earned some powerful homeownership benefits.

  • No down payment required
  • No monthly mortgage insurance
  • Credit score as low as 580
Learn more

USDA Loans

Zero-down financing for lovers of rural living and small-town Arkansas communities.

  • No down payment required
  • Low fixed rates
  • Eligible rural and suburban areas
Learn more

Jumbo Loans

Need a bigger home loan? Jumbo financing covers homes priced above the conforming loan limit.

  • Above conforming loan limits
  • Credit score as low as 660
  • Fixed or adjustable rates
Learn more

Rate options

Fixed or adjustable?

Most programs above come in either flavor. The right choice depends on how long you plan to keep the loan.

Fixed-Rate Mortgage

The traditional home loan. Your principal and interest payment never changes for the life of the loan.

  • Terms from 10 to 30 years
  • Payment never changes
  • Pay off early without penalty
Learn more

Adjustable-Rate Mortgage (ARM)

A lower starting rate for a fixed period, then a rate that adjusts with the market. Best when you don't plan to stay forever.

  • Lower initial rate
  • Fixed for 1 to 10 years
  • Rate caps limit adjustments
Learn more

Not sure which program fits? That's our job.

Answer a few questions and a loan originator will compare the programs you qualify for, side by side, at no cost.

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