Loan Programs
There is no single best mortgage — only the one that fits your income, your property, your timeline, and how long you plan to keep the loan. Here is what each option is actually built for.
Compare options
Every program below includes the benefits and the considerations, because you deserve both sides before you decide.
A benefit worth using carefully — eligibility, entitlement, and occupancy all shape the plan.
Widely used financing with several down-payment and mortgage-insurance structures to weigh.
Government-insured financing with flexibility for some profiles — and mortgage insurance to weigh.
For loan amounts above the applicable conforming limit, with a deeper review.
Start with the goal, then compare the full cost and the break-even point.
Occupancy and intended use change the rules more than most buyers expect.
Eligibility, program guidelines, and terms vary by borrower, property, and transaction. Approval depends on a full review of credit, income, assets, debts, the property, and underwriting.
That is the normal starting point. Describe your situation and you will get a specific recommendation with the reasoning behind it.
