Loan Type Down Payment Terms Mortgage Insurance
Fixed Rate Mortgages
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5% 15 or 30 years, fixed No (if under 80% loan-to-value)
FHA Home Loans
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3.5% 10, 15, 20, 25 or 30 years, fixed and adjustable Yes
VA Home Loans
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None 15, 20, 25 or 30 years, fixed and adjustable No
Jumbo Home Loans
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20% 15 or 30 years, fixed and adjustable No
USDA Home Mortgages
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None 30 years, fixed No (Up-Front Guarantee Fee financed into loan)
Renovation Mortgage 203(k)
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3.5% 30 years, fixed Yes
Adjustable Rate Mortgage (ARM)
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Varies 3/1, 5/1, 7/1 or 10/1 Varies
Questions? Contact Charles H. Parharm, Jr. Today!
  • Charles H. Parharm, Jr.

    Charles H. Parharm, Jr.

    Senior Loan Advisor
    NMLS# 1413036

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    Charles H. Parharm, Jr.

    3330 Knightsbridge Ct.
    Harvey, Louisiana 70058
    (504) 313-2326
    NMLS# 1413036
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