Today's Sample Rates30-Yr Fixed: 6.625%15-Yr Fixed: 5.875%FHA 30-Yr: 6.250%VA 30-Yr: 6.125%Jumbo 30-Yr: 6.750%Today's Sample Rates30-Yr Fixed: 6.625%15-Yr Fixed: 5.875%FHA 30-Yr: 6.250%VA 30-Yr: 6.125%Jumbo 30-Yr: 6.750%
The Mortgage Exchange LLC

Loan programs

The right loan for the home you want.

We work with the country's top investors, so we never have to settle for one bank's product line or rate. Choose a program to see how it works — or send us your scenario for a custom quote.

Program

Conventional

Fannie Mae and Freddie Mac financing with competitive fixed and adjustable terms. A great fit for buyers with steady income, good credit, and a larger down payment.

  • Fixed-rate and ARM options
  • Conforming loan limits
  • 5–30 year terms
Get a Conventional quote

Program

FHA

As little as 3.5% down. A flexible path for first-time buyers and lower credit scores — insured by the Federal Housing Administration.

  • 3.5% down payments
  • Fixed and adjustable rates
  • 5–30 year terms
Get a FHA quote

Program

VA

For eligible service members and veterans. No private mortgage insurance required, and competitive rates through lenders approved by the U.S. Department of Veterans Affairs.

  • No PMI required
  • Flexible qualification
  • Often no down payment
Get a VA quote

Program

USDA

Designed for eligible rural properties — often with no down payment at all. Great option for buyers in qualifying areas looking to keep more cash on hand.

  • No down payment in eligible areas
  • Fixed-rate options
  • Geographic eligibility applies
Get a USDA quote

Program

Jumbo

For high-priced homes that exceed conforming loan limits. Bespoke structures are available for buyers of luxury and high-value properties.

  • Loans above conforming limits
  • Fixed and adjustable rates
  • Custom structures available
Get a Jumbo quote

Program

HELOC

Tap the equity you’ve built and keep it available for what matters next — renovations, education, or consolidating higher-rate debt.

  • Draw as you need
  • Variable-rate line of credit
  • Pay interest only on what you use
Get a HELOC quote

Not sure which fits?

Tell us where you're looking, what you're buying, and your timeline — we'll come back with options.

Get my custom rate quote
(219) 728-2059