Products · Loan Programs

A loan for every path to a home

We shop over 100 lenders, banks & credit unions across every program below — then route your file to the sharpest price you qualify for.

Conventional

Purchase & Refi

The market standard for strong-credit borrowers — competitive rates with as little as 3% down, and no mortgage insurance once you reach 20% equity.

3% down620+ FICONo PMI at 20%

FHA

Government

Government-backed and flexible on credit. Lower down payments and forgiving guidelines make it a favorite for first-time and credit-building buyers.

3.5% down580+ FICOGift funds OK

VA

Government · Military

For veterans, active-duty service members, and eligible spouses — zero down, no monthly mortgage insurance, and some of the lowest rates available.

0% downNo PMINo loan limit*

USDA

Government · Rural

Zero-down financing for homes in eligible rural and suburban areas, backed by the U.S. Department of Agriculture. Income limits apply.

0% downEligible areasIncome limits

Jumbo

High balance

Financing above conforming loan limits for higher-priced homes and luxury properties, with competitive rates for well-qualified borrowers.

Above $806,500*10%+ downCompetitive rates

Non-QM

Flexible income

Common-sense qualification for self-employed borrowers, investors, and unique income — bank-statement, asset-based, and DSCR programs.

Bank statementDSCRAsset-based

HELOC

Home equity

A revolving line of credit against your home's equity — draw what you need when you need it, and pay interest only on the balance you use.

Revolving lineDraw as neededVariable rate

HELOAN

Home equity

A lump-sum home equity loan with a fixed rate and predictable payments — tap your equity without touching the rate on your first mortgage.

Fixed rateLump sumSecond lien

* Loan limits and eligibility vary by county, program, and market conditions. Figures shown are typical guidelines, not an offer or commitment to lend.

Not sure which fits?

Answer a few questions and we’ll match you to the right program — no impact to your credit score.