The simple truth is no one can tell you in an article which mortgage is unique to your situation.  The best you can do is research on your own and then make an education decision based on your findings and needs.  Don't rush into a decision and don't be too quick to listen to mortgage professionals that are out for their best interests and not yours.

One of the best places to study out mortgages is Lending Tree, which maintains a site that allows you to educate yourself and have lenders compete for your mortgage.  The better your credit score and history the more you will sit in a position of strength when dealing with them.  Most lenders will follow you lead, so  you may need to search for someone who is a true partner and interested in understanding what it is you want to accomplish.  Arming yourself with knowledge will still be your best choice, it will help you assess individuals and the solutions they will provide.

Lending Tree is not your only option, there are others out there too.  These sites will take you through a series of questions.  Are you an empty nester who is retired?  Maybe a reverse mortgage is the way to go.  A newly married couple?  Perhaps a the timing isn't right to make a purchase, but a savings program designed to prepare yourself is.

Whatever the case for your unique situation take the time to study and learn your options, it will help you make an educated choice for your future.