Mortgage Loan Programs
Find the perfect loan program for your situation. All programs feature instant quotes, transparent pricing, and expert guidance.
Conventional Loans
The most popular loan program
- ✓5-20% down payment options
- ✓Fixed & adjustable rates
- ✓Down payment assistance programs
- ✓Flexible credit requirements
30-year Fixed
6.45%
FHA Loans
First-time homebuyers welcome
- ✓As low as 3.5% down payment
- ✓More flexible credit requirements
- ✓Approved for various loan types
- ✓Competitive rates
30-year Fixed
6.30%
VA Loans
For active duty and veterans
- ✓0% down payment
- ✓No PMI required
- ✓Competitive interest rates
- ✓Limited closing costs
30-year Fixed
6.10%
USDA Loans
For rural and suburban properties
- ✓100% financing available
- ✓No down payment required
- ✓Income limits apply
- ✓Competitive rates
30-year Fixed
6.15%
Jumbo Loans
For high-value properties
- ✓Loan amounts over $766,550
- ✓Flexible terms available
- ✓Streamlined underwriting
- ✓Competitive rates
30-year Fixed
6.55%
Refinance
Lower your rate or cash out
- ✓Rate & Term refinancing
- ✓Cash-out refinancing
- ✓HARP refinancing
- ✓IRRRL for VA loans
30-year Fixed
6.35%
Program Comparison
| Program | Min Down | Credit Score | PMI | Best For |
|---|---|---|---|---|
| Conventional | 5% | 620+ | Yes | Most borrowers |
| FHA | 3.5% | 580+ | Yes | First-time buyers |
| VA | 0% | 580+ | No | Veterans |
| USDA | 0% | 600+ | Yes | Rural areas |
| Jumbo | 10%+ | 640+ | No | High-value homes |
Common Questions
What's the difference between these loan programs?▼
Each program has different requirements and benefits. Conventional loans are most flexible. FHA requires lower credit scores. VA and USDA offer special benefits. Jumbo is for high-value properties. Let us help you find the best fit.
What is PMI and when do I need it?▼
PMI (Private Mortgage Insurance) protects the lender if you default. You typically need it if your down payment is less than 20%. VA and some loans don't require PMI.
Can I switch programs?▼
Yes! During the application process, we'll explore options and recommend the best program for your situation. Many borrowers qualify for multiple programs.
What documents do I need?▼
Generally: recent pay stubs, W2s, tax returns, bank statements, and ID. For self-employed: business returns, profit & loss statements. We'll tell you exactly what we need.
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