Residential Loan Programs

Home Purchase

Refinance

Lower your rate, cut your monthly payment, or cash out equity to fund what matters most. No-cost refinance options available.

Best for: Existing homeowners looking to lower their rate, reduce monthly payments, or access home equity.

Rate-and-term refinance
Cash-out refinance
No-cost refinance option
Break-even calculator

FHA

Government-backed loans with low down payments and flexible credit requirements. Ideal for first-time buyers and those with less-than-perfect credit.

Best for: First-time buyers and borrowers with credit challenges who need flexible qualifying.

Down payments as low as 3.5%
Credit scores as low as 580
Gift funds allowed for down payment
Higher debt-to-income ratios accepted

VA

Zero Down

Exclusive benefits for veterans, active military, and eligible spouses. No down payment, no PMI, and competitive rates.

Best for: Veterans, active-duty service members, and eligible surviving spouses.

Zero down payment
No private mortgage insurance (PMI)
Competitive interest rates
Flexible credit requirements

USDA

Zero-down-payment loans for rural and suburban homebuyers who meet income and location requirements.

Best for: Buyers in eligible rural or suburban areas with moderate income.

Zero down payment
Below-market interest rates
Flexible credit guidelines
Income limits apply

Conventional

Popular

Traditional financing with competitive rates. Ideal for buyers with good credit and stable income.

Best for: Buyers with good credit (620+) and stable income who want the best rates available.

Down payments as low as 3%
Fixed or adjustable rates
PMI required below 20% down
No loan limits in most cases

Jumbo

Finance luxury properties and high-value homes that exceed conforming loan limits. Competitive jumbo rates available.

Best for: Buyers purchasing high-value properties above conforming loan limits ($766,550 in most areas).

Loan amounts up to $3M+
Fixed and adjustable rates
Higher credit score requirements
Larger down payments typically required

Non-QM

Alternative documentation loans for self-employed, investors, and borrowers with unique financial situations.

Best for: Self-employed borrowers, investors, and those with non-traditional income sources.

Bank statement loans
Asset-based qualification
No W-2 or tax return required
Investment property friendly

ITIN

Home loans for borrowers using Individual Taxpayer Identification Numbers. A path to homeownership for non-citizens.

Best for: Non-citizen borrowers who have an ITIN and want to purchase a home.

No Social Security number required
Fixed and adjustable rate options
Primary residence only
Valid ITIN and income documentation required

Foreign National

Financing for non-resident foreign nationals looking to purchase U.S. property. International investors welcome.

Best for: Non-resident foreign nationals investing in U.S. real estate.

No U.S. credit history required
Asset-based qualification
Primary residence, second home, or investment
Higher down payments may apply