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Whether you are a newlywed or newly retired, Countybank Mortgage offers loans for every stage of life. The first step is to familiarize yourself with each type. Be sure to make a list of questions to ask your Mortgage Consultant. 

Conventional Loan

A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the Farmers Home Administration (FmHA), and the Department of Veterans Affairs (VA). It is typically fixed in its terms and rate. 

FHA Loan

An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment. 


A USDA Home Loan from the USDA loan program (also known as the USDA Rural Development Guaranteed Housing Loan Program) is a mortgage loan offered to rural property owners by the United States Department of Agriculture. 

VA Loan

A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The program is for American veterans, military members currently serving in the U.S. military, reservists, and select surviving spouses (provided they do not remarry).

It can be used to purchase single-family homes, condominiums, multi-unit properties, manufactured homes, and new construction. The VA does not originate loans, but sets the rules for who may qualify; issues minimum guidelines and requirements under which mortgages may be offered; and financially guarantees loans that qualify under the program. 

Jumbo Loan

A jumbo loan, also known as a jumbo mortgage, is a form of home financing for those whose amount exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA).