Need help on what type of loan to get

Historically, a mortgage broker is going to be the best options in the bulk of cases. No one has a magic crystal ball on rates, but my standard answer is to buy when you need to buy, and don't worry about rates. If rates go higher than what they are today, you are good. If they go down, you can always refinance. I lend for properties in MN, WI, IA, ND, SD. Find me at Wi-MortgageBroker.com - Cambria Mortgage, NMLS 274132

Hello,You definitely would want to find a mortgage banker, who also has the capability of broker. This type of Lender has every option possible for you, and usually at the lowest rate and cost.Also, you mentioned you had $100,000 to put down on a $600,000 house. This is a very good down payment. That being said, would you be able to put down another 20,000? This would bring your loan to value to 80% and you would be able to avoid PMI, which stands for private mortgage insurance, and would save you a lot of money. My name is Mike Banner and I have been a licensed mortgage professional in Florida for over 40 years.Please feel free to call me anytime, including over the weekend, at 727-2 24-3859. Thank you!