Purchase Refinance & Cash-Out 30-Yr Fixed 15-Yr Fixed FHA VA USDA Jumbo Bank Statement DSCR First-Time Buyers
Home Purchase Buy with a plan
Who it's for: Anyone buying a primary home, second home, or their next move-up home.
We compare every program you qualify for, then match it to your budget Strong pre-approval letter so your offer gets taken seriously Clear estimate of cash to close before you write an offer Might not be the best fit if: You're still a year or more from buying. Start with a planning call and we'll map out your timeline.
Apply Now Talk to Us Refinance & Cash-Out Lower, shorten, or tap equity
Who it's for: Homeowners who want a lower payment, a shorter term, to drop mortgage insurance, or to turn equity into cash.
Rate-and-term refinance to change your rate or loan length Cash-out refinance for renovations, debt consolidation, or big goals We show your break-even point so you know when the savings pay off Might not be the best fit if: You plan to sell soon, before the closing costs would be recovered.
Apply Now Talk to Us 30-Year Fixed Predictable, lowest payment
Who it's for: Buyers who value a steady payment and the most room in their monthly budget.
Principal and interest never change for the life of the loan Lowest monthly payment of the fixed-rate terms You can always pay extra toward principal to pay off faster Might not be the best fit if: Paying it off quickly and minimizing total interest is your top priority.
Apply Now Talk to Us 15-Year Fixed Pay it off faster
Who it's for: Borrowers who can handle a higher payment and want to own their home free and clear sooner.
Typically a lower rate than a 30-year fixed Builds equity much faster Far less total interest paid over the loan Might not be the best fit if: The higher payment would stretch your monthly budget too thin.
Apply Now Talk to Us FHA Loans 3.5% down with 580+ credit
Who it's for: Buyers whose credit or savings are still building, including many first-time buyers.
Minimum 3.5% down with a credit score of 580 or higher More flexible credit and debt-to-income guidelines Down payment can come from eligible gift funds Might not be the best fit if: You have strong credit and 20% down. FHA mortgage insurance often lasts the life of the loan.
Apply Now Talk to Us VA Loans No down payment for eligible veterans
Who it's for: Eligible veterans, active-duty service members, and qualifying surviving spouses.
No down payment required for eligible borrowers No monthly mortgage insurance Benefit can be used more than once Might not be the best fit if: You're not eligible for VA benefits. We can check your Certificate of Eligibility together.
Apply Now Talk to Us USDA Loans No down payment in eligible areas
Who it's for: Buyers with moderate incomes purchasing in USDA-eligible rural and suburban areas.
No down payment required Eligibility depends on the property address and household income Many communities outside city centers qualify Might not be the best fit if: Your household income is above the area limit, or the home is in an ineligible area.
Apply Now Talk to Us Jumbo Loans For higher-priced homes
Who it's for: Buyers financing above the conforming loan limit.
Financing above conforming limits Typically requires a larger down payment and cash reserves Purchase and refinance options available Might not be the best fit if: Your loan amount is near the conforming limit; a conforming loan may cost less.
Apply Now Talk to Us Bank Statement Loans Income shown with deposits, not W-2s
Who it's for: Self-employed borrowers and business owners whose tax returns don't fully reflect their cash flow.
Qualify using 12 or 24 months of personal or business bank statements Built for borrowers with strong deposits who write off a lot on their taxes Available for purchase and refinance, subject to guidelines Might not be the best fit if: You have steady W-2 income that already supports the loan you want. A conventional or FHA loan may cost less.
Apply Now Talk to Us DSCR Loans Investment property, qualified by cash flow
Who it's for: Real estate investors buying or refinancing a rental property where the rent can support the payment.
Qualified primarily by the property's debt service coverage ratio (rent vs. payment), not personal income Commonly used for 1–4 unit investment properties Purchase and refinance options, subject to guidelines Might not be the best fit if: This is a primary residence. DSCR is for investment properties.
Apply Now Talk to Us First-Time Homebuyers As little as 3% down
Who it's for: First-time buyers who want guidance from pre-qualification to closing.
Conventional options as low as 3% down for qualified first-time buyers FHA, VA, and USDA options for low or no down payment We explain every step and every number in plain English Might not be the best fit if: Honestly, there's no wrong time to ask. We'll help you plan even if you're not ready yet.
Apply Now Talk to Us Not all applicants will qualify. Programs, terms, and guidelines are subject to change and depend on credit, income, property, and program requirements. No rates are quoted on this page. Contact us for a personalized quote.