Core mortgage programs
Conventional, FHA, VA, and jumbo financing make up the core of Team Petros lending. We compare program tradeoffs and competitive mortgage pricing, then help you build a reliable path to closing.
The best fit depends on property type, down payment, credit, income, assets, military eligibility, loan size, and future plans. Team Petros compares the full payment, cash needed, flexibility, and offer strategy, not just the headline rate.
Compare the core options
Guidelines, limit, pricing, and eligibility change often. This overview helps you ask the right questions so Team Petros can determine the best fit.
Short-term financing that may help qualified homeowners purchase a new primary residence before selling their current home.
Standard financing for primary residences, second homes, and investment properties. Options can vary by down payment, mortgage insurance, occupancy, loan size, and borrower profile.
Owner-occupied financing that may offer an accessible down-payment path and broader credit flexibility, with FHA property and mortgage-insurance requirements.
Financing for eligible veterans, active-duty service members, and qualifying surviving spouses, often with no down payment and no monthly mortgage insurance.
Financing above the applicable conforming loan limit, often with deeper review of credit, reserves, assets, income, and property characteristics.
Compensation specialty
If part of your pay arrives as restricted stock units, the mortgage review may need to connect vesting history, current awards, and expected continuance.
Explore RSU incomeWhat Team Petros compares
Down payment, closing costs, prepaid expenses, credits, and reserve requirements.
Principal, interest, taxes, insurance, mortgage insurance, and applicable association dues.
Rate structure, mortgage-insurance changes, refinance considerations, and how long you may keep the loan.
Common questions
Conventional loans follow standard non-government guidelines; FHA loans are government-insured and may offer broader down-payment or credit flexibility; VA loans serve eligible veterans and service members; jumbo loans finance amounts above conforming limits.
Potentially. The review may consider vesting history, current awards, employer documentation, pay records, tax forms, and whether the income is expected to continue. Requirements vary by program and investor.
Not always. Several conventional, FHA, and VA structures may allow less, subject to eligibility and current program guidelines. A lower down payment can affect mortgage insurance, rate, reserves, and total payment.
A strong offer depends on more than loan type. A carefully reviewed pre-approval, realistic closing timeline, clear agent communication, and borrower readiness can all matter.
Get a clear recommendation built around the home, budget, compensation, and offer strategy.