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FHA, conventional, VA, jumbo — which box is yours?
July 21, 2026 · 5 min read · Tom Stafford
You do not have to know the product name. You do have to know the house, the down payment, and whether you have served.
Is the best loan for you an FHA loan — maybe you have some blemishes on your credit, or you want to put down as little as possible? A conventional loan? A jumbo? Did you serve our country and want to use VA benefits? Looking out in the country and curious about USDA? Want to compare an ARM vs. a fixed rate?
If you have absolutely no idea which is the best option, don’t worry. I will go over the pros and cons of each.
As a broker I have access to just about everything in the lending world: reverse mortgages, business-purpose, bank-statement, asset depletion. I specialize in conventional, FHA, jumbo, and I am always proud when I can help those who have served with a VA loan at a great rate.
You do not need to walk in knowing the acronym. You need a conversation, a credit pull, and someone who will tell you which file actually fits.
Veterans shopping in Colorado: VA loans for Colorado veterans. First-time buyers in this county: Castle Rock / Douglas County guide.
Apply or schedule a call — bring your spouse or parents if you want a second set of ears. Nights and weekends are fine.
Written by Tom Stafford, a mortgage loan originator (NMLS #262409) with Edge Home Finance, LLC. He has lived in and served Douglas County as a mortgage broker since 2010. About Tom
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