Understanding Different Types Of Home Loans

Explore Your Options

Our Loan Product Offerings

Conventional Loans

Think of this as your traditional Loan

A Conventional Loan is any mortgage that’s not backed by the federal government. Conventional loans have higher minimum credit score requirements and can be harder to qualify for.

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VA Loans

For Our Valued Service Members

A VA Loan is for Military service members, veterans and eligible spouses may qualify for a loan backed by the U.S. Department of Veterans Affairs.

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Reverse Mortgages

Gain Support Later In Your Life

Homeowners age 62 and older may qualify for a reverse mortgage, a mortgage loan type that differs from a traditional “forward” home loan. Instead of you making payments to your lender, your reverse mortgage lender makes payments to you — from your available equity — in a lump sum or monthly.

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FHA Loans

You Can Achieve Home Ownership

The Federal Housing Administration (FHA) backs these types of mortgage loans, which cater to borrowers with credit blemishes and limited down payment funds.

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Jumbo Loans

For Our Luxury Borrowers

A jumbo mortgage is a larger conventional loan, typically used to buy a luxury home. Jumbo loan amounts exceed all conforming loan limits and often require a large down payment of at least 20%.

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Refinance

Leverage Your Equity

Homeowners with a mortgage may have the option to refinance into a new home loan to shorten their term, lower their mortgage rate or use their equity to meet other financial needs.

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*Lower rates are only possible depending on current market conditions. Please speak directly to an advisor about what you may qualify for based on current market conditions.

Our Process

What Sets Me Apart

With decades of industry experience, I have a deep understanding of today's loan products. As your expert originator, I support you in achieving your goals aligned with your long-term vision, no matter the market conditions.

The Mission

The Ruppel Team is an experienced group of home loan professionals that focus on a high level of proactive customer service, expert mortgage knowledge, and consistent loan efficiency.
The Vision

We help you navigate the market with ease & achieve your goals of homeownership
The Experience

We are client-centric to our core. When you work with The Ruppel Team, you are working with an expert team that is hyper-focused on helping you achieve your goals of homeownership.