# Affordable mortgages for savvy homebuyers - Altgage

Discover mortgage rates on sale. Qualify for down payment grants and a free credit boost. Get instant quotes and prequalify without a hard credit check.

## Mortgage Options

- [Conventional 30Yr](https://www.altgage.com/conventional-mortgage): A standard mortgage option with a 30-year term, ideal for homebuyers looking for stable monthly payments.
- [20-Year Fixed](https://www.altgage.com/20-year-fixed-mortgage): A fixed-rate mortgage with a 20-year term, offering lower interest rates compared to longer terms.
- [Jumbo Loans](https://www.altgage.com/jumbo-loan): Loans that exceed conforming loan limits, suitable for purchasing high-value properties.
- [FHA Loans](https://www.altgage.com/fha-loan): Government-backed loans designed for low-to-moderate-income borrowers, featuring lower down payment requirements.
- [VA Loans](https://www.altgage.com/va-loans): Loans available to veterans and active-duty service members, offering favorable terms and no down payment options.
- [One+ Mortgage](https://www.altgage.com/one-plus-mortgage-program): A unique mortgage product that allows for lower down payments, making homeownership more accessible.
- [Home Possible®](https://www.altgage.com/home-possible-mortgage-program): A program designed to help low-income borrowers achieve homeownership with flexible credit requirements.
- [FHA Zero Down](https://www.altgage.com/fha-down-payment-assistance): An FHA loan option that allows eligible borrowers to purchase a home with no down payment.
- [HECM](https://www.altgage.com/home-equity-conversion-mortgage): Home Equity Conversion Mortgages, a type of reverse mortgage for seniors to access home equity.

## Rate Information

- [Today's Rates](https://pam.altgage.com/rates): Current mortgage rates available for various loan types, helping borrowers make informed decisions.

## Grants and Prequalification

- [Find Free Grants](https://pam.altgage.com/dpa-grants): Resources to discover available down payment assistance grants for homebuyers.
- [Prequalify Instantly](https://pam.altgage.com/prequalify): A quick process to determine eligibility for a mortgage without affecting credit scores.

## Financial Tools

- [Affordability Calculator](https://pam.altgage.com/calculators/affordability-calculator): A tool to help potential buyers assess how much they can afford based on their financial situation.
- [Amortization Calculator](https://pam.altgage.com/calculators/amortization-calculator): A calculator that provides a breakdown of loan payments over time, including principal and interest.
- [Extra Payment Calculator](https://pam.altgage.com/calculators/mortgage-payoff-calculator): A tool to see how additional payments can reduce loan duration and interest costs.
- [Refinance Calculator](https://pam.altgage.com/calculators/refinance-calculator): A calculator to evaluate the potential savings from refinancing an existing mortgage.

## Additional Resources

- [Check eligibility for assistance](https://pam.altgage.com/dpa-grants/): A resource to determine if you qualify for various mortgage assistance programs.
- [Help articles](https://help.altgage.com/en/): A collection of articles providing guidance on mortgage processes and homebuying tips.
- [Our vision](https://www.altgage.com/blog/affordable-mortgages-for-everyone): Information about Altgage's mission and commitment to helping homebuyers.

## Customer Engagement

- [Altgage Customer Reviews](https://www.altgage.com/reviews): Testimonials from clients sharing their experiences with Altgage's services.
- [Prequalify for your dream home - Altgage](https://pam.altgage.com/prequal): A call to action for potential buyers to start their prequalification process.
- [Track mortgage rates - Altgage](https://pam.altgage.com/refinance): A feature allowing users to monitor changes in mortgage rates over time.
- [Your personal mortgage banker - Altgage](https://pam.altgage.com/downpaymentassistance): A service offering personalized assistance throughout the mortgage process.

## Company Information

- [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/): A resource for consumers to verify the licensing and credentials of mortgage lenders.
- [Terms and Conditions](https://www.altgage.com/terms-and-conditions): The legal terms governing the use of Altgage's services.
- [Privacy Policy](https://www.altgage.com/privacy-policy): Information on how Altgage handles user data and privacy concerns.

## Blog and Insights

- [Mortgage Insights for Homebuyers and Homeowners | Altgage Blog](https://www.altgage.com/blog): A blog providing valuable insights and tips for homebuyers and homeowners.


This structured summary provides a comprehensive overview of the mortgage options, tools, and resources available through Altgage, ensuring potential homebuyers have access to essential information for their journey.