DBA For James B. Nutter & Company NMLS 2067

Exploring Your Mortgage Options

Buying a home should be one of the most rewarding experiences in your lifetime, especially if you’re a first-time homebuyer. The more you know about your mortgage options the better. At Nutter, we’ll make sure you get the right mortgage for your situation.

Compare all home loan options.

Loan Type

  • Conventional Loans: Also known as “conforming mortgages” because they conform to guidelines established by large institutional investors - Fannie Mae and Freddie Mac, allowing mortgages to be more widely available. For home loans up to $484,350 with fewer qualifying guidelines and multiple loan terms offered.

  • FHA Loans: One of the most popular types of home loans, especially for first-time home buyers. Low down payment requirements, flexible loan terms, and overall the easiest way to qualify for a home loan.

  • VA Loans: Exclusive to active-duty military service members, Veterans and their families - finance up to 100% of your VA Loan and pay less at closing.

  • HomeReady Mortgages: This new program allows home buyers to purchase a home with a down payment as low as 3%. Its flexibility offers a wide range of borrowers to attain homeownership.

  • USDA Loans: For home buyers who plan to live in a rural area - offers 0% down and 100% financing sponsored by the USDA to promote affordable homeownership in less-dense communities across the U.S.

  • Jumbo Loans: For loans above the conforming limit in your area and up to $1.5 million. Get a low, secured rate for higher-priced homes.

Types of Mortgage Rates

At Nutter, we offer a variety of mortgage programs to suit every borrowers specific needs. When choosing which type of home loan is best for you, one of the most important features to consider is the type of interest rate that will be used - a fixed rate or an adjustable rate.

  • Fixed Rate: Just as it implies, a fixed rate will stay the same for the life of your loan, which means your month-to-month mortgage payment will be consistent. Available for loan terms of either 10, 15, 20, or 30 years.

  • Adjustable Rate Mortgage (ARM): interest rates that remain the same for an initial period of either 1, 3, 5, 7 or 10 years; then “adjusts” each year thereafter based on market conditions.

View today’s mortgage rates and try our easy-to-use Home Loan Calculator to see what your monthly mortgage payment could be with Nutter.

Learn more about the different types of mortgage rate options.


Back Next - Steps to Getting Preapproved

The Benefits of Getting a Loan from Nutter Home Loans

  • We are one of the largest privately owned mortgage banking firms in the country.
  • Dedicated to borrowers nationwide since 1951. We’re licensed in all 50 states.
  • We have an A+ rating with the Better Business Bureau and believe in “If it’s not good for the customer, it’s not good for us.”
  • Our quick and easy online application process leaves you with less paperwork and more time for everything else. Plus, you can manage your mortgage online through our Customer Portal.
  • We offer some of the most competitive rates, including No Closing Cost Loan options - saving you money now, and in the future.
  • Our team of Home Loan Experts (non-commissioned, too!) are available via chat, email and phone to help you understand the details and which home loan is right for you.
  • We pride ourselves on having the best customer service in the industry – even after you close.

Sound a little complicated? Well, you’ve come to the right place.

Since 1951, we’ve helped people save hundreds, or even thousands of dollars a month, when they purchase or refinance their mortgage with Nutter.

Call 1-800-875-7334, send us an email or chat with us online and our team of non-commissioned Loan Officers will answer all your questions.

Additional Resources


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