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The distinction is with variable interest you can make additional payments without being penalised (or just a minor fee is charged within transaction contingent on the bank). However with fixed interest, you are agreeing for you to some set number of interest the particular course of the loan. In fact you could pay out a 5 year fixed interest loan in weeks and might still be charged the full five regarding interest.
You can make either of these types of loans, however the best is actually the Subsidized loan. However, sometimes individuals are not qualified to apply for that loan because of low credit scores or some other reasons.
There a couple of VA Jumbo loans that require an advance payment. When the total amount of any VA-eligible borrower's loan one is more than the conforming limit for that county, supplying down payment is expected. Down payments for Jumbo VA loans could be calculated using 25% on the portion within the loan not guaranteed through VA -- in other words, is going to be over the conforming loan limit.