A home loan with an interest rate that’s set for the entire term of the mortgage.


A home loan with an initial rate that’s fixed for a period of time, then adjusts periodically. For example, a 5/1 ARM has an interest rate that is set for the first five years and then adjusts annually.


A home loan insured by the Federal Housing Administration. FHA loans are backed by the government and designed to help borrowers of more modest means buy a home.


VA loans are backed by the Department of Veterans Affairs and are available to military service members and veterans.


USDA home loans are for buyers in rural and suburban areas. The mortgages are backed or issued by the U.S. Department of Agriculture.


A loan is considered jumbo if the amount exceeds loan-servicing limits set by Fannie Mae and Freddie Mac.


1325 NW Flanders St, Portland, OR 97209


Lauren Mirecki

NMLS 869508

Loans by Lauren is a dba of Premier Mortgage Resources NMLS 1169 | Equal Housing Lender. Credit on approval. Terms subject to change without notice. Not a commitment to lend Disclaimer of Liability: This publication is intended to provide general information to our clients and friends. It does not constitute accounting, tax, or legal advice. Other disclaimers may apply based on program availability and terms.

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