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Side-by-side guides
In short
These guides put two common mortgage choices side by side, with the rules from HUD, VA, USDA, Fannie Mae and the CFPB, so you can see how they differ before you talk with a lender. Each one ends with what to compare on your own Loan Estimates. There are 16 comparisons so far, grouped below.
We are an independent mortgage broker powered by Loan Factory. Instead of offering one bank's pricing, we compare your loan across 220+ wholesale lenders so you can see your options side by side and choose. Jerry Kindig is personally licensed in 19 states.
These guides are general education, not a loan offer, commitment, or approval. Program rules and figures change; each guide lists its sources and the date they were checked. All loans are subject to approval.
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