Understand Your Options
A straightforward guide to our mortgage programs
A concise guide that lists mortgage Products, explains who it suits, and highlights the key terms to evaluate. Use this page to compare options and prepare questions for your lender or mortgage advisor.
Core Mortgage Products
Conventional
Standard Financing
A conventional loan is a common type of home loan that isn’t backed by the government. It’s best for buyers with good credit and some money saved for a down payment.
FHA Loan
Lower down payment
A government-backed loan with lower down payment options and flexible credit guidelines, commonly chosen by borrowers entering the market with limited savings.
VA
Veteran benefits
A VA-backed mortgage offering competitive terms and often no down payment for eligible veterans, active-duty service members, and qualifying spouses.
USDA
Veteran benefits
A VA-backed mortgage offering competitive terms and often no down payment for eligible veterans, active-duty service members, and qualifying spouses.
Idaho Down Payment
Assistance
Lower initial payments
Temporary interest-only payments for a fixed period followed by principal + interest; useful for borrowers with short-term cashflow strategies or planned refinance timing.
Compare Key Features
Below are the key attributes customers commonly compare when selecting a mortgage. Use these reference points to narrow options and prepare lender questions.
Down payment % (0–20%+)
Typical loan terms (15–30 years)
Credit score needed
Rate type (fixed vs adjustable)
Quick Comparison Metrics
15–30 yrs
Typical term
0–20%+
Down payment
Varies
Rate range
See lender
Estimated APR
Frequently Asked Questions
How do I choose between fixed and adjustable rates?
Compare how long you expect to keep the loan and whether you need payment stability. Fixed rates suit long-term owners; adjustable rates may start lower but can change after an initial period.
What affects the rate I’m offered?
Rates depend on credit score, down payment, loan size, loan-to-value ratio, and market conditions. Improving documentation and credit history typically helps secure better terms.
Can I refinance later?
Yes. Many borrowers refinance to change terms or lower monthly payments. Evaluate fees, break-even time, and your future plans before refinancing decisions.
MEET THe loan officer | NMLS#2695095
Hey, I'm Adam!
I started as a loan officer with My Style Mortgage in 2025 and have a growing passion for learning and helping educate people about buying a home!
I was born and raised in South East Idaho
I enjoy talking and meeting new people
I am confident that we can help turn your dreams into a reality
© 2023 My Style Mortgage Inc. - | www.mystylemortgage.com | Company NMLS# 2622728 | Equal Opportunity Lender
My Style Mortgage Inc. is Licensed in Idaho, Texas and Utah. For additional information please visit https://www.mystylemortgage.com/privacy-policy. Lending services provided by My Style Mortgage Inc. 115 N. Clark St. Rigby, ID 83442. (208) 715-5975
This page is for educational purposes only and is not a commitment to lend or a loan approval. Information on this page may not be current and is subject to change without notice. Loan programs, rates, terms, and eligibility requirements may vary based on individual qualifications and property details.
