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Loan programs

Which mortgage is right for you?

There are many types of home loans, and it pays to understand them. We'll help you compare your options and choose with confidence.

Get matched Run the numbers
Browse by goal

Every way to finance a home.

Start with your goal (buy, refinance or invest) and explore the programs that fit.

3% down options

Conventional Loans

Flexible terms and competitive rates for borrowers with good credit and steady income.

PMI removableLearn more3.5% down

FHA Loans

Government-insured financing with low down payments and flexible credit guidelines.

580+ credit scoreLearn more$0 down

VA Loans

Earned benefits for veterans and service members, including no down payment.

No monthly MILearn more$0 down

USDA Loans

Zero-down financing for eligible homes in rural and suburban areas.

Income limits applyLearn moreHigh balance

Jumbo Loans

Financing for higher-priced homes above conforming loan limits.

Primary & second homesLearn moreGrants & 2nd liens

Down Payment Assistance

Programs that can cover part of your down payment or closing costs.

Learn more
Lower payment

Rate & Term Refinance

Lower your rate, change your term or drop mortgage insurance.

Learn moreFHA & VA cash-out

Cash-Out Refinance

Turn your home equity into cash for renovations, debt payoff or investing.

Learn moreMinimal docs

FHA Streamline

A faster FHA-to-FHA refinance with reduced paperwork.

Learn moreVeterans

VA IRRRL

The VA streamline that lowers your rate with minimal hassle.

Learn moreKeep your rate

HELOC & 2nd Mortgages

Access equity while keeping your current first mortgage rate.

Learn moreCalculator

Should I refinance?

Run the break-even math in seconds with our refinance calculator.

Learn more
No income docs

DSCR Loans

Qualify using the property's rental income, not your tax returns.

Learn moreFast closings

Fix & Flip

Short-term financing to buy, renovate and resell.

Learn moreSelf-employed

Bank Statement Loans

Self-employed? Qualify with 12 to 24 months of bank statements.

Learn moreNo SSN required

ITIN & Foreign National

Paths to ownership for borrowers without a traditional credit profile.

Learn moreOne-time close

Construction & Rehab

Build new or renovate with one loan that covers the work.

Learn more5+ units

Commercial & Multi-Unit

Apartment, mixed-use, SBA and multi-unit property financing.

Learn more
Rate option

Fixed Rate

One rate, one payment for the life of the loan.

Learn moreRate option

Adjustable Rate (ARM)

Lower intro rate that adjusts with the market.

Learn moreRate option

Interest Only Mortgage

Pay only interest for an initial period.

Learn moreRate option

Graduated Payment Mortgage

Payments that start low and rise on schedule.

Learn more
Specialty & non-QM

Unique situation? We have a loan for that.

Self-employed, investing, new to the country or rebuilding credit? Ask about these programs.

Down Payment AssistanceFirst-Time Homebuyer100% FinancingSelf-EmployedBank Statement1099 LoansP&L LoansDSCRFix & FlipRehab LoansConstructionHELOCSecond MortgageITIN LoansForeign NationalHometown HeroesMulti-UnitApartment ComplexCommercialSBA LoansHard Money

Not sure which loan fits? Ask Rick.

Answer a few questions and get a personal recommendation, with no impact to your credit.

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