Compare Mortgage Loan Types

Compare FHA, VA, conventional, jumbo and refinance loan types, then get matched with a licensed mortgage professional. LoFi Rate is not a lender.

FHA, VA, Conventional, Jumbo & Refinance Loans | LoFi Rate

Compare FHA, VA, conventional, jumbo and refinance loan types, then get matched with a licensed mortgage professional. LoFi Rate is not a lender.

Compare Mortgage Loan Types

Loan Types a Licensed Professional May Discuss

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LoFi Rate is not a lender. These are common loan types a licensed professional may discuss.

Eligibility and terms depend on the lender. LoFi Rate matches you with a licensed professional and does not guarantee any program.

Start with the Loan Estimate a lender already issued to you. If a licensed mortgage professional obtains a competing lender offer, compare the same loan amount, loan type and term, with matching rate-lock status or period and issue dates.

Lower tax or insurance estimates do not make lender pricing cheaper.

Hypothetical illustration, not a rate quote

Hypothetical illustration, not a quote. One discount point equals 1% of the loan amount, and a point does not buy a fixed rate reduction. To estimate a simple break-even, divide the extra upfront cost of the points option by how much it lowers your monthly principal-and-interest payment. The result is the number of months before the payment savings cover the extra cost. This shortcut ignores balance differences, taxes, investment returns and the time value of money. It is not an APR calculation or a promise of savings.

Page 3 five-year check: subtract principal paid off from the total paid in “In 5 years” to compare interest and fees. An ARM comparison assumes unchanged rates, and the actual holding period may differ.

Request a mortgage quote match

Loan Estimate review on the homepage On the homepage, select Upload Your Loan Estimate to reach the review form.

Does a lower mortgage rate always mean a lower cost?

Start with one Loan Estimate: how to compare a competing lender offer

Are mortgage points worth it? Calculate your break-even before choosing a loan

How to compare lender fees and lender credits side by side

Sources checked October 3, 2026. Consumer Financial Protection Bureau: How should I use lender credits and points (also called discount points) (opens in a new tab). Consumer Financial Protection Bureau: Compare Loan Estimates (opens in a new tab).

Short answers about matching, quote comparison, and total cost.

A licensed professional can walk through options. LoFi Rate does not guarantee approval or a rate.

LoFi Rate matches borrowers with licensed mortgage professionals. We are not a lender.

We are not a lender. We are a service that helps you partner with a lender licensed in your state.