This is a mortgage that is backed by the government, such as Federal Housing Administration (FHA), the U. Department of Veterans Affairs (VA), or the U.

Department of Agriculture (USDA). A government-backed loan might come with a fixed rate or an adjustable rate, and typically requires a smaller downpayment than a non-government issues loan. Conforming mortgage. A conforming mortgage is one that falls within loan limits set by the FHA.

These limits vary by real estate market. Expensive real estate markets like Los Angeles and San Francisco have higher loan limits. Jumbo mortgage. A jumbo mortgage is one that exceeds loan limits set by the FHA.

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Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.

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