These loans are not insured by the federal government and they're popular for borrowers with stable income. Can be used for almost all types of homes from single-family to condos. Rates are often lower due to the additional credit and income requirements.
Best for the financially stable
Needing a lower down payment option? Is your credit score less than perfect? FHA loans are a great, and predictable option for low-to-moderate income homebuyers. With more flexible requirements, this loan option allows a lower down payment.
Best for first-time homebuyers
This type of loan is for borrowers who want to buy or refinance a home that exceeds standard conventional loan limits ($726,200 in most markets). Some requirements include cash reserves and a debt-to-income ratio up to 50%.
Best for higher priced homes
For eligible properties located in rural (and many suburban) areas. USDA loans require no down payment and often have lower interest rates.
Best for expanding your horizons
FIXED RATE LOANS
If you don't like change, this loan is right for you. Your principal and interest will never change over the life of your loan (unless you decide to refinance).
Best for payment predictability
ADJUSTABLE RATE LOANS
Borrowers start with a lower rate that rises over time. Great for those who plan to move within a few years or expect more income in the future.
Best if moving within 5 years
Do you want to lower your monthly payment or pay off your loan faster? Do you need to cash out the equity in your home to pay off some debt or add necessary updates? Whatever your reason is, there are many benefits to a refinance. Download our guide or use the calculator to see if it might be time to refinance.
Ready to refinance?
Turn blueprints into reality.
Getting a loan to build a home is a little different than buying an existing one. That's why we offer a streamline two-step construction loan process. First, you'll start with a temporary loan. Once construction is complete, we’ll refinance your loan into a traditional mortgage. Watch the video or download our guide to learn more.
You build. We finance. It's that simple.
Download our construction guide below.