Based on your credit, down payment, and income, here are the loan types that fit you best. We've ranked them from strongest fit to those that might be worth considering but come with more specific trade-offs.

1 Conventional 30-Year Fixed Top match 90/100 fit

This is a standard mortgage with a predictable payment that stays the same for 30 years. With your credit score in the 680-739 range and 5-10% down, you're a strong candidate. It allows for steady equity building and offers good market flexibility.

What listing sites won't tell you:

You'll need Private Mortgage Insurance (PMI) since you're putting less than 20% down. This adds to your monthly cost, but you can typically cancel it once you reach 20% equity in your home.
Lending standards can be a bit stricter than FHA loans for debt-to-income ratios and credit history, though your profile seems good.
While you have some flexibility in your down payment, aiming for closer to 10% can make your monthly payment more manageable.

2 FHA 30-Year Fixed 75/100 fit

An FHA loan is insured by the government, which often makes it easier to qualify for with a lower down payment and good credit. Your credit score makes you a strong candidate, and it could offer more flexibility on debt-to-income limits if that becomes a factor.

What listing sites won't tell you:

FHA loans require two types of Mortgage Insurance Premium (MIP): an upfront fee and an annual fee. If your down payment is less than 10%, the annual MIP usually stays for the entire life of the loan.
The property you buy will need to meet specific FHA minimum property standards, which are sometimes stricter than conventional loan requirements.
While your credit is good for FHA, the upfront and annual MIP costs can sometimes make the overall cost of the loan higher than a conventional loan over the long term, even with a lower interest rate.

3 Conventional 15-Year Fixed 65/100 fit

This loan offers a faster payoff and typically comes with a lower interest rate compared to a 30-year loan, meaning you pay significantly less interest over the life of the loan. Your income band suggests it might be affordable, but the monthly payment will be notably higher.

What listing sites won't tell you:

The higher monthly payments can put a squeeze on your budget. You'll need to be very comfortable with the payment amount to choose this option.
Lenders will scrutinize your debt-to-income ratio more closely to ensure you can comfortably manage the larger payment.
Choosing a 15-year loan might leave you with less disposable income for other financial goals or unexpected expenses each month.

4 Adjustable-Rate Mortgage (ARM) 45/100 fit

An ARM starts with a fixed interest rate for an initial period, typically 5, 7, or 10 years, which can often be lower than a 30-year fixed rate. This could lower your initial monthly payments, potentially allowing you to qualify for more house or free up cash initially.

What listing sites won't tell you:

After the initial fixed period ends, your interest rate can adjust up or down, which means your monthly payment could increase significantly, leading to payment shock.
ARMs carry more risk and make long-term financial planning harder due to the uncertainty of future payments.
They are generally best for borrowers who plan to sell or refinance before the fixed period ends, or those who are very comfortable with interest rate risk.

Your Loan Options, Ranked