Twenty products, five underwriting families — organized left to right by how standardized the guidelines are, from Fannie/Freddie mainstream through fully specialty programs. Click a segment to filter, click a card for the full breakdown.
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Rate structure
Fixed-rateRate locked for the full term (commonly 15 or 30yr). Pairs with almost every product below.
ARMFixed for an intro period (5/1, 7/1, 10/1), then adjusts annually to an index + margin.
Interest-onlyPayment covers interest only for an initial window before principal kicks in. Common on jumbo and bridge.