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Choosing the right mortgage is the most important step in the home buying process. With hundreds of loan programs available, it can feel overwhelming, but the right choice depends entirely on your unique financial situation and goals.
We offer a vast network of lending options to cover everything from your first starter home to your tenth investment property. Use this guide to explore the most popular loan programs and discover the perfect fit for your life.
These are the most common loan types, ideal for borrowers with steady income and strong credit.
| Loan Program | Best For... | Key Features |
| Conventional Loans | Buyers with strong credit (620+ FICO) and steady employment. | Highly competitive interest rates. Flexible down payments (as low as 3% for first-time buyers). Private Mortgage Insurance (PMI) is removable. |
| FHA Loans | First-time buyers or those with limited down payment funds or lower credit scores. | Only requires a 3.5% down payment. More flexible credit requirements (often 580+ FICO). Government-insured protection. |
| VA Loans | Active duty service members, veterans, and eligible surviving spouses. | 0% down payment required. No Private Mortgage Insurance (PMI). Highly competitive rates and limited closing costs. |
| USDA Loans | Buyers purchasing in eligible rural or suburban areas. | 0% down payment required. Government-backed for low-to-moderate income borrowers. |
These programs address special financial scenarios or higher-priced homes.
| Loan Program | Best For... | Key Features |
| Jumbo Loans | Buyers purchasing high-value properties that exceed conventional loan limits. | Financing for loans over the conforming limit (currently $766,550 in most areas). Available as fixed or Adjustable Rate Mortgages (ARMs). |
| Refinance Options | Homeowners looking to lower their rate, change their term, or access home equity. | Cash-Out Refinance (take equity as cash) or Rate & Term Refinance (lower rate/change term). |
| Adjustable Rate Mortgages (ARMs) | Borrowers who plan to sell or refinance before the fixed-rate period ends (e.g., 5, 7, or 10 years). | Offers a lower initial interest rate compared to a traditional fixed-rate loan. |
If you are a real estate investor, self-employed, or have non-traditional income, these flexible options are built for you.
| Loan Program | Best For... | Key Features |
| DSCR Loans | Real estate investors looking to finance rental properties. | No personal income verification (no W-2s/tax returns needed). Qualification is based purely on the property’s rental cash flow. |
| Bank Statement Loans | Self-employed borrowers and business owners. | Uses 12-24 months of personal or business bank statements to calculate qualifying income. Bypasses complicated tax returns. |
Don't guess what you qualify for. We work with an extensive network of lenders to compare options quickly and find the best fit for your needs.
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The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in...
