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Loan options

Compare Every Program We Offer - Side by Side, in Plain English.

There isn’t one best mortgage - there’s the one that fits your credit, down payment, income structure, and timeline. Start here to narrow the field.

Conventional Loans

Flexible financing for buyers with steady credit.

Down payment
First-time buyers may qualify with as little as 3% down
Credit
Most lenders look for a 620 score or above
Explore Conventional Loan
FHA Loans

Government-backed loans with flexible qualification.

Down payment
Minimum 3
Credit
580+ unlocks 3
Explore FHA Loan
VA Loans

$0 down home loans for veterans, service members, and eligible spouses.

Down payment
Most eligible borrowers put $0 down
Credit
The VA does not set a minimum credit score
Explore VA Loan
Jumbo Loans

Financing for homes above conforming loan limits.

Down payment
10%–20% down is common
Credit
Most jumbo programs require 700+; the strongest pricing typically starts at 740+
Explore Jumbo Loan
First-Time Homebuyer Loans

Everything you need to buy your first home with confidence.

Down payment
As little as 3% (conventional) or 3
Credit
580+ opens FHA
Explore First-Time Homebuyer Loan
Refinance Loans

Lower your payment, tap equity, or restructure your loan.

Down payment
N/A - refinancing uses your existing equity in place of a down payment
Credit
Standard credit tiers apply
Explore Refinance Loan
USDA Loans

$0 down loans for eligible rural and suburban buyers.

Down payment
$0 down is standard
Credit
640+ is the common floor; some lenders review lower scores manually
Explore USDA Loan
DSCR Loans

Investor loans qualified by the property's cash flow - not your W-2.

Down payment
Plan for 20%–25% down
Credit
640 opens most programs; 720+ unlocks best pricing
Explore DSCR Loan
Bank Statement Loans

Mortgage financing for self-employed borrowers using bank deposits.

Down payment
10%–20% down is typical, depending on credit and property type
Credit
Minimum Score 640+
Explore Bank Statement Loan
ITIN Loans

Home financing for borrowers with an ITIN in place of an SSN.

Down payment
Plan for 10%–20% down depending on program and credit profile
Credit
Traditional scores 620+ ideal; alternative tradelines accepted at many lenders
Explore ITIN Loan
Cash-Out Refinance

Turn home equity into cash for what matters most.

Down payment
N/A - cash-out is a refinance product
Credit
620+ for most programs; 700+ for best pricing
Explore Cash-Out Refinance
VA IRRRL Streamline Refinance

The fast, low-doc refinance for existing VA loans.

Down payment
N/A - refinance product
Credit
No minimum credit score set by VA; lenders may set overlays
Explore VA IRRRL Streamline Refinance
FHA Streamline Refinance

The low-doc refinance for existing FHA borrowers.

Down payment
N/A - refinance product
Credit
No credit score minimum for FHA Streamline
Explore FHA Streamline Refinance
Home Equity Loans

Fixed-rate second mortgage secured by your home.

Down payment
N/A - home equity product
Credit
600+ common floor; 720+ improves pricing
Explore Home Equity Loan
HELOC

A revolving line of credit backed by your home.

Down payment
N/A - home equity product
Credit
600+ common floor; 720+ unlocks best pricing
Explore HELOC
Reverse Mortgages (HECM)

Turn home equity into income in retirement - age 62 and up.

Down payment
N/A for existing homeowners
Credit
Financial assessment focuses on ability to maintain taxes and insurance, not a traditional credit score
Explore Reverse Mortgages (HECM)
Construction Loans

Finance building a home from the ground up.

Down payment
As low as $0 for VA loans; min down for others starts at 3
Credit
Minimum Score 640+; 740+ for best pricing
Explore Construction Loan
FHA 203(k) Renovation Loans

Buy or refinance and finance renovations in a single loan.

Down payment
3
Credit
620+ typical for most 203(k) lenders
Explore FHA 203(k) Renovation Loan
Non-QM Loans

Flexible underwriting for borrowers outside standard guidelines.

Down payment
10%–25% down is typical, depending on program and property type
Credit
Typically 620+; specific minimums depend on program and documentation type
Explore Non-QM Loan
Investment Property Loans

Financing for rental homes and small multi-unit properties.

Down payment
15%–25% for single-family; 25%+ for 2–4 unit properties
Credit
680+ opens most programs; 740+ unlocks best pricing
Explore Investment Property Loan
Second Home Loans

Financing for a vacation home or getaway property.

Down payment
10%–20% down; larger down payments unlock better pricing
Credit
680+ common floor; 720+ for best pricing
Explore Second Home Loan
Commercial Loans

Financing structured around property income, risk, and strategy.

Down payment
Plan for 20%-30% down
Credit
Most commercial programs look for 660 or better, though a strong asset and experienced sponsor can offset a lower score
Explore Commercial Loan
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