Loan Programs
Find the Right Loan for You
Every buyer's situation is unique. Explore our loan programs to understand your options, then let's talk about which one fits your goals.
0-20%
Competitive
580+
24 hrs
Conventional Loans
Traditional financing for qualified buyers
Conventional loans are the most common type of mortgage. They're not backed by a government agency, which means they typically have stricter credit requirements but can offer competitive rates and flexible terms.
Best For:
Conventional loans are ideal for buyers with established credit who want flexibility in terms and the ability to eliminate PMI with enough equity.
Who It's For
- Buyers with good to excellent credit (typically 620+)
- Those who can make a down payment of 3-20%
- Borrowers who want to avoid mortgage insurance with 20% down
- Primary residence, second home, or investment property buyers
Key Benefits
- Competitive interest rates
- Flexible down payment options (as low as 3%)
- No upfront mortgage insurance premium
- Available for various property types
FHA Loans
Government-backed with lower barriers
FHA loans are insured by the Federal Housing Administration and are designed to make homeownership more accessible. They offer lower down payment requirements and more lenient credit qualifications.
Best For:
FHA loans are perfect for first-time buyers or those who need more flexible qualification requirements to achieve homeownership.
Who It's For
- First-time homebuyers
- Buyers with lower credit scores (as low as 580)
- Those with limited down payment funds
- Borrowers rebuilding credit after financial hardship
Key Benefits
- Down payments as low as 3.5%
- More flexible credit requirements
- Lower closing costs in some cases
- Gift funds allowed for down payment
VA Loans
Exclusive benefits for veterans
VA loans are backed by the U.S. Department of Veterans Affairs and offer exceptional benefits for those who have served our country. These loans provide some of the best terms available in the mortgage market.
Best For:
VA loans offer the best terms available for eligible veterans and service members. If you qualify, this is often your best option.
Who It's For
- Active-duty military members
- Veterans with qualifying service
- National Guard and Reserve members
- Eligible surviving spouses
Key Benefits
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
USDA Loans
Rural and suburban homebuyers
USDA loans are backed by the U.S. Department of Agriculture and are designed to promote homeownership in rural and some suburban areas. They offer zero down payment for eligible buyers.
Best For:
USDA loans are excellent for buyers looking in eligible areas who want to avoid a down payment. Location eligibility is key.
Who It's For
- Buyers in eligible rural and suburban areas
- Low to moderate-income households
- Those seeking zero down payment
- Primary residence buyers only
Key Benefits
- No down payment required
- Lower mortgage insurance costs
- Competitive fixed interest rates
- Flexible credit requirements
Refinance Options
Lower your rate or access equity
Refinancing replaces your current mortgage with a new one, potentially saving you money or giving you access to your home's equity. There are several refinance options depending on your goals.
Best For:
Refinancing makes sense when rates have dropped, your credit has improved, or you need to access equity for major expenses.
Who It's For
- Homeowners with higher interest rates
- Those wanting to lower monthly payments
- Owners seeking to tap into home equity
- Borrowers looking to switch loan types
Key Benefits
- Potentially lower interest rate
- Reduced monthly payments
- Cash-out option for home equity
- Consolidate debt or fund improvements
Investment Property Loans
Financing for real estate investors
Investment property loans help you finance rental properties, multi-family units, or properties you intend to flip. Requirements differ from primary residence loans but offer opportunities for wealth building.
Best For:
Investment loans are for buyers ready to build wealth through real estate. Higher down payments and rates apply, but the returns can be significant.
Who It's For
- Real estate investors
- Buyers of rental properties
- Multi-family property purchasers
- House flippers (with certain programs)
Key Benefits
- Build wealth through real estate
- Generate rental income
- Diversify your investment portfolio
- Various loan options available