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The FHA Loan is the type of mortgage most commonly used by first time home buyers and there’s plenty of good reasons why. FHA Loan Guide. Tips for buying a home in the La Crosse, WI area. Troy’s Tips. Be wary of balloons and arms. (adjustable rate Mortgages) Most borrowers are much better off with a 15 or 30 year fixed rate loan.
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Construction loans are a bit more complicated than conventional mortgage loans because you are borrowing money short-term for a building that does not yet exist. A construction loan is essentially a line-of-credit, like a credit card, but with the bank controlling when money is borrowed and released to the contractor.
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