With so many mortgage programs available, it’s easy to feel overwhelmed. But here’s the good news: You don’t have to figure it out alone. We’ll break down each option in plain language, answer your questions, and guide you toward the program that makes the most sense for your lifestyle, budget, and long-term plans.

Every homeowner deserves a loan that actually fits.

• As little as 3% down for first-time buyers
• Competitive interest rates
• No upfront mortgage insurance with 20% down 
• Flexible repayment terms (15, 20, 30 years)

This is the most common type of mortgage loan. If you have good credit and a reliable, consistent income, then a conventional home loan might be best for you. 

This is a type of mortgage that isn’t insured or guaranteed by a federal government agency. Instead, it’s insured through private lenders or government-sponsored entities. 

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Conventional Loan

Note: If your down payment is less than 20% on a conventional loan, then you’ll pay private mortgage insurance (PMI) in addition to your monthly mortgage payment. 

Key features:

• Down payments as low as 3.5% – ideal for buyers with limited savings
• More lenient credit score requirements
•  Lower closing costs

An FHA loan is secured by the Federal Housing Administration (FHA). It’s geared toward buyers who might not qualify for a conventional loan for several reasons, such as a low credit score. FHA loans typically carry lower down payment options and more flexible credit requirements.

GET STARTED

FHA Loan

These loans are great for first-time homebuyers or anyone rebuilding credit. Note that all FHA borrowers must pay PMI, regardless of their down payment amount. 

Key features:

• No down payment
• No PMI
• Competitive interest rates 
•  Flexible guidelines and easier qualifications
•  No prepayment penalties
•  Lower closing costs 


We honor our nation’s heroes, and we’re proud to offer exclusive loan programs to make their homebuying journey as affordable as possible. 

VA loans are backed by the U.S. Department of Veterans Affairs (VA). They extend to all eligible veterans, active-duty service members, and surviving spouses. 

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VA Loan

Key features:

• 100% financing -- no down payment
• Lower interest rates 
• No PMI 
•  Income-based eligibility



Thinking about building or buying a home in a rural or suburban area? If so, a USDA loan might be a great fit. These loans are backed by the U.S. Department of Agriculture (USDA). They’re designed to help individuals with low to moderate incomes purchase homes in eligible geographic areas. 

GET STARTED

USDA Loan

Note: While USDA loans don’t require PMI, they do have a guarantee fee, which works similarly to mortgage insurance. This fee is broken into two parts: an upfront fee and an annual fee. The upfront fee is typically 1% of the loan amount. You can pay it all at once at closing, or choose to break it into monthly payments. The annual fee is set at 0.35% of the loan amount, paid monthly with your mortgage. 

Key features:

• Help reduce upfront costs
• Special programs offered for first-time and repeat buyers
• Available through many sources, including local and statewide government agencies and federally recognized programs



Down payments and closing costs don’t have to hold you back from buying the home of your dreams. Designated down payment assistance programs help cover all or a portion of these fees.

There are many kinds of DPA programs available, including grants and forgivable loans. We’ll work closely with you to understand your needs and help you find the one that works best for you. 

GET STARTED

Down Payment Assistance Program

Key features:

Refinancing allows you to secure more favorable terms on your existing mortgage loan, such as a lower interest rate, a new loan balance, or a shorter repayment term. 

Some homeowners choose to refinance their loans to save money on their monthly payments or adjust the terms to fit their current season of life. For instance, you may decide to switch from an adjustable-rate mortgage (ARM) to a fixed-rate loan for more stability. Or, you may shorten a 30-year loan to a 15-year one to pay off your home sooner. 

Others prefer to convert their home equity into cash when they refinance. Then, they can use that money to fund a variety of projects, from home repairs and renovations to emergency expenses and debt consolidation. 

GET STARTED

Refinancing

Note: Eligibility requirements for jumbo loans can be stricter than other lending options. You might need a higher credit score, a lower debt-to-income (DTI) ratio, or a larger down payment to qualify. 

Jumbo loans are also called non-conforming loans because they don’t conform to the lending limits set by the Federal Housing Finance Agency (FHFA). 

The 2025 Jumbo loan limit is $806,500, but this number can vary by location. Homeowners can use these loans to purchase luxury and high-cost properties, as well as homes in expensive locations where real estate demand can drive up prices. 

GET STARTED

• Flexible financing options 
• Competitive interest rates for qualified buyers
• Can be used to purchase primary residences, vacation homes, and investment properties 

Jumbo Loan

Key features:

• One-time and two-time close options
• Allows you to finance land and construction costs
• Interest only payments during construction available depending on eligibility

Planning to build your dream home from the ground up? Let’s talk about a construction loan! These programs give buyers the option to custom-build their home with a streamlined financing solution. 

You can use a construction loan to cover any part of your building process, apart from architect or design costs. This can include land, building materials, contractor labor, and any special permits you need. 

GET STARTED

Construction Loan

Key features:

• Can cover renovations, improvements, or structural repairs
• Available for primary homes, second homes, and investment properties

Keep in mind that there doesn’t have to be anything wrong with your home to use a renovation loan. You can also use it to enhance your property and increase its value. This might mean converting a room over the garage to a home office, expanding the kitchen footprint, or even adding another wing. 

GET STARTED

Sometimes, a home is perfect from the start. Other times, it needs a little TLC to make it just right for your family. Whether yours needs some minor improvements or a full-scale demo, a renovation loan can help you get there. 

With this option, you can finance both the purchase price of the home and the renovation costs with a single loan. 

Renovation Loan

Key features:

• No personal income verification required
• Suitable for many kinds of rental properties (residential, short-term rental)
• Perfect for seasoned or first-time investors

Whether you have one rental property or a vast portfolio, a Debt Service Coverage Ratio (DSCR) loan helps you maximize your investment. 

This type of loan allows you to qualify for financing based on the amount of future rental income a property is expected to generate -- not your personal income. The approval process is usually faster with a DSCR loan, and there’s no limit on the number of investment properties you can finance. 


GET STARTED

DSCR Loan

Key features:

• Lower interest rate for the first 1-2 years
• Helps buyers adjust to full mortgage payments
• Paid by sellers, builders, or lenders in many cases


A temporary buydown is a mortgage program that helps homebuyers secure a lower interest rate on the first few years of their loan in exchange for a small, one-time fee at closing. 

This can help ease the transition into homeownership and give you a little breathing room before you start making your monthly payments in full.

GET STARTED

Temporary Buydowns

Key features:

• Borrow only what you need, when you need it
• Flexible repayment options
• Great for home improvements or major expenses



A Home Equity Line of Credit (HELOC) is a type of secured loan that allows you to borrow against the equity you’ve built in your home. It’s a revolving line of credit that uses your house as collateral. 

You can use an HELOC to pay off large expenses. You can also use it to consolidate high-interest debt you may carry on other loans. As you make payments on your outstanding balance, the amount of available credit replenishes, similar to a credit card. You’ll establish your credit limit and draw period at closing. 

GET STARTED

HELOC Loan

Key features:

Our loan programs

Department of Veterans Affairs (VA)

Down Payment Assistance
Programs (DPA) 

Debt Service Coverage Ratio (DSCR)

United States Department of Agriculture (USDA)

Conventional

Refinancing

Jumbo

Construction

HELOC

Renovation

Temporary Buydowns

Federal Housing Administration (FHA)

Department of Veterans Affairs (VA)

Down Payment Assistance
Programs (DPA) 

Debt Service Coverage Ratio (DSCR)

United States Department of Agriculture (USDA)

Conventional

Refinancing

Jumbo

Construction

Renovation

Temporary Buydowns

Federal Housing Administration (FHA)

Click below to learn more

• As little as 3% down for first-time buyers
• Competitive interest rates
• No upfront mortgage insurance with 20% down 
• Flexible repayment terms (15, 20, 30 years)

This is the most common type of mortgage loan. If you have good credit and a reliable, consistent income, then a conventional home loan might be best for you. 

This is a type of mortgage that isn’t insured or guaranteed by a federal government agency. Instead, it’s insured through private lenders or government-sponsored entities. 

GET STARTED

Conventional Loan

Note: If your down payment is less than 20% on a conventional loan, then you’ll pay private mortgage insurance (PMI) in addition to your monthly mortgage payment. 

Key features:

• Down payments as low as 3.5% – ideal for buyers with limited savings
• More lenient credit score requirements
• Lower closing costs

These loans are great for first-time homebuyers or anyone rebuilding credit. Note that all FHA borrowers must pay PMI, regardless of their down payment amount. 

GET STARTED

FHA Loan

Key features:

An FHA loan is secured by the Federal Housing Administration (FHA). It’s geared toward buyers who might not qualify for a conventional loan for several reasons, such as a low credit score. FHA loans typically carry lower down payment options and more flexible credit requirements.

• No down payment
• No PMI
• Competitive interest rates 
• Flexible guidelines and easier qualifications
• No prepayment penalties
• Lower closing costs 

GET STARTED

VA Loan

Key features:

We honor our nation’s heroes, and we’re proud to offer exclusive loan programs to make their homebuying journey as affordable as possible. 

VA loans are backed by the U.S. Department of Veterans Affairs (VA). They extend to all eligible veterans, active-duty service members, and surviving spouses. 

• 100% financing -- no down payment
• Lower interest rates 
• No PMI 
• Income-based eligibility

GET STARTED

USDA Loan

Key features:

Thinking about building or buying a home in a rural or suburban area? If so, a USDA loan might be a great fit. These loans are backed by the U.S. Department of Agriculture (USDA). They’re designed to help individuals with low to moderate incomes purchase homes in eligible geographic areas. 

Note: While USDA loans don’t require PMI, they do have a guarantee fee, which works similarly to mortgage insurance. This fee is broken into two parts: an upfront fee and an annual fee. The upfront fee is typically 1% of the loan amount. You can pay it all at once at closing, or choose to break it into monthly payments. The annual fee is set at 0.35% of the loan amount, paid monthly with your mortgage.

• Help reduce upfront costs
• Special programs offered for first-time and repeat buyers
• Available through many sources, including local and statewide government agencies and federally recognized programs

GET STARTED

Down Payment Assistance Program

Key features:

Down payments and closing costs don’t have to hold you back from buying the home of your dreams. Designated down payment assistance programs help cover all or a portion of these fees.

There are many kinds of DPA programs available, including grants and forgivable loans. We’ll work closely with you to understand your needs and help you find the one that works best for you. 

GET STARTED

Refinancing

Refinancing allows you to secure more favorable terms on your existing mortgage loan, such as a lower interest rate, a new loan balance, or a shorter repayment term. 

Some homeowners choose to refinance their loans to save money on their monthly payments or adjust the terms to fit their current season of life. For instance, you may decide to switch from an adjustable-rate mortgage (ARM) to a fixed-rate loan for more stability. Or, you may shorten a 30-year loan to a 15-year one to pay off your home sooner. 

Others prefer to convert their home equity into cash when they refinance. Then, they can use that money to fund a variety of projects, from home repairs and renovations to emergency expenses and debt consolidation.

• Flexible financing options 
• Competitive interest rates for qualified buyers
• Can be used to purchase primary residences, vacation homes, and investment properties 

GET STARTED

Jumbo Loan

Key features:

Jumbo loans are also called non-conforming loans because they don’t conform to the lending limits set by the Federal Housing Finance Agency (FHFA). 

The 2025 Jumbo loan limit is $806,500, but this number can vary by location. Homeowners can use these loans to purchase luxury and high-cost properties, as well as homes in expensive locations where real estate demand can drive up prices. 

Note: Eligibility requirements for jumbo loans can be stricter than other lending options. You might need a higher credit score, a lower debt-to-income (DTI) ratio, or a larger down payment to qualify. 

• One-time and two-time close options
• Allows you to finance land and construction costs
• Interest only payments during construction available depending on eligibility

GET STARTED

Construction Loan

Key features:

Planning to build your dream home from the ground up? Let’s talk about a construction loan! These programs give buyers the option to custom-build their home with a streamlined financing solution. 

You can use a construction loan to cover any part of your building process, apart from architect or design costs. This can include land, building materials, contractor labor, and any special permits you need.

• Can cover renovations, improvements, or structural repairs
• Available for primary homes, second homes, and investment properties

GET STARTED

Renovation Loan

Key features:

Keep in mind that there doesn’t have to be anything wrong with your home to use a renovation loan. You can also use it to enhance your property and increase its value. This might mean converting a room over the garage to a home office, expanding the kitchen footprint, or even adding another wing. 

Sometimes, a home is perfect from the start. Other times, it needs a little TLC to make it just right for your family. Whether yours needs some minor improvements or a full-scale demo, a renovation loan can help you get there. 

With this option, you can finance both the purchase price of the home and the renovation costs with a single loan.

GET STARTED

DSCR Loan

Whether you have one rental property or a vast portfolio, a Debt Service Coverage Ratio (DSCR) loan helps you maximize your investment. 

This type of loan allows you to qualify for financing based on the amount of future rental income a property is expected to generate -- not your personal income. The approval process is usually faster with a DSCR loan, and there’s no limit on the number of investment properties you can finance. 

Key features:

• No personal income verification required
• Suitable for many kinds of rental properties (residential, short-term rental)
• Perfect for seasoned or first-time investors

GET STARTED

Temporary Buydowns

A temporary buydown is a mortgage program that helps homebuyers secure a lower interest rate on the first few years of their loan in exchange for a small, one-time fee at closing. 

This can help ease the transition into homeownership and give you a little breathing room before you start making your monthly payments in full.

Key features:

• Lower interest rate for the first 1-2 years
• Helps buyers adjust to full mortgage payments
• Paid by sellers, builders, or lenders in many cases

GET STARTED

HELOC Loan

A Home Equity Line of Credit (HELOC) is a type of secured loan that allows you to borrow against the equity you’ve built in your home. It’s a revolving line of credit that uses your house as collateral. 

You can use an HELOC to pay off large expenses. You can also use it to consolidate high-interest debt you may carry on other loans. As you make payments on your outstanding balance, the amount of available credit replenishes, similar to a credit card. You’ll establish your credit limit and draw period at closing. 

Key features:

• Borrow only what you need, when you need it
• Flexible repayment options
• Great for home improvements or major expenses

We’re experts at simplification, creating personal client journeys that turn home buying from complicated to customized. 

It matters who you work with.

GET STARTED

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