Conventional
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% down
- 620+ FICO
- No PMI at 20%
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.
Loan programs02
FHA
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% down
- 580+ FICO
- Gift funds OK
VA
For veterans, active-duty service members, and eligible spouses — zero down, no monthly mortgage insurance, and some of the lowest rates available.
- 0% down
- No PMI
- No loan limit*
USDA
Zero-down financing for homes in eligible rural and suburban areas, backed by the U.S. Department of Agriculture. Income limits apply.
- 0% down
- Eligible areas
- Income limits
Jumbo
Financing above conforming loan limits for higher-priced homes and luxury properties, with competitive rates for well-qualified borrowers.
- Above $806,500*
- 10%+ down
- Competitive rates
Non-QM
Common-sense qualification for self-employed borrowers, investors, and unique income — bank-statement, asset-based, and DSCR programs.
- Bank statement
- DSCR
- Asset-based
HELOC
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 line
- Draw as needed
- Variable rate
HELOAN
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 rate
- Lump sum
- Second lien
* Loan limits and eligibility vary by county, program, and market conditions. Figures shown are typical guidelines, not an offer or commitment to lend.
Find your fit03
Not sure which fits?
Answer a few questions and we’ll match you to the right program — no impact to your credit score.