If you’re in the market for a home loan, you’ve probably realized that mortgage options are a lot like coffee orders—overwhelming, filled with jargon, and somehow everyone has a strong opinion. But don’t worry, I’ll keep this simple. Here’s a breakdown of four major loan types: Conventional, FHA, VA, and USDA—so you can pick the one that actually makes sense for you.

You’ve binge-watched enough HGTV to know you want a house. Now the big question: how much house can you actually afford? Because despite what social media makes it seem, buying a home isn’t as simple as “manifesting” it into existence.