Loan options

The right loan starts with the right questions.

There is no one “best” mortgage for everyone. We compare your goals, timeline, monthly-payment comfort, and available funds to help you choose well.

Flexible

A popular option for primary homes, second homes, and investment properties with a range of down-payment choices.

Low down payment

Flexible qualification guidelines can make FHA a strong path for many first-time and repeat buyers.

Veterans

Powerful financing benefits for eligible veterans, active-duty service members, and qualifying spouses.

Rural housing

Eligible buyers and properties may qualify for 100% financing in approved rural areas.

Investors

Financing strategies for rental-property buyers, including options that may focus on the property’s cash flow.

Move-up buyers

Explore strategies that may help you purchase the next home before the current one is sold.

Larger loans

Solutions for higher loan amounts and buyers who may benefit from an adjustable-rate structure.

Professionals

Specialized options for qualifying medical professionals, including programs with reduced down-payment requirements.

Payment strategy

Use eligible seller or builder funds to temporarily reduce the buyer’s interest rate and early monthly payments.

Programs, qualification requirements, terms, and availability vary. A mortgage review is required to determine eligibility.

The strategy matters

Rate is only one part of the decision.

We compare the full picture: payment, cash to close, mortgage insurance, seller credits, future plans, and how the financing affects your offer.