Loan Programs
Compare Our Most Popular Loans
See how our top mortgage programs stack up side-by-side. Compare rates, requirements, and benefits to find your perfect match.
| Loan Type | Min Down Payment | Min Credit Score | Upfront MI | Monthly MI | Best For |
|---|---|---|---|---|---|
Conventional Loans Traditional mortgages with as little as 3% down | 3% | 620 | If <20% down |
| |
FHA Loans Government-backed loans with just 3.5% down | 3.5% | 580 | 1.75% | 0.55-1.05% |
|
VA Loans Zero down loans for veterans and military | 0% | 580 | Varies (funding fee) |
| |
Jumbo Loans Financing for homes above $766,550 | 10% | 700 |
| ||
Investment Properties Rental properties and investment real estate | 20% | 700 | If <20% down |
| |
Second Homes Vacation homes and secondary residences | 10% | 640 | If <20% down |
| |
Non-QM Products Bank Statement, DSCR, P&L, and alternative income loans | 10% | 600 |
|
Conventional Loans
Traditional mortgages with as little as 3% down
Min Down Payment3%
Min Credit Score620
Upfront MI
Monthly MIIf <20% down
Best For:
- Borrowers with good credit (680+)
- Those who can afford 5-20% down
- Repeat homebuyers
- Investment property purchases
- Borrowers wanting to avoid FHA restrictions
FHA Loans
Government-backed loans with just 3.5% down
Min Down Payment3.5%
Min Credit Score580
Upfront MI1.75%
Monthly MI0.55-1.05%
Best For:
- First-time homebuyers
- Borrowers with limited savings
- Those with credit challenges
- Buyers using gift funds
- Those with higher debt ratios
VA Loans
Zero down loans for veterans and military
Min Down Payment0%
Min Credit Score580
Upfront MIVaries (funding fee)
Monthly MI
Best For:
- Active-duty military members
- Veterans with qualifying service
- Eligible surviving spouses
- Those wanting zero down payment
- Borrowers avoiding mortgage insurance
Jumbo Loans
Financing for homes above $766,550
Min Down Payment10%
Min Credit Score700
Upfront MI
Monthly MI
Best For:
- High-income earners
- Luxury home buyers
- Those with substantial assets
- Buyers in expensive markets
- Investment property purchasers
Investment Properties
Rental properties and investment real estate
Min Down Payment20%
Min Credit Score700
Upfront MI
Monthly MIIf <20% down
Best For:
- Building wealth through rental income
- Long-term appreciation
- Tax benefits
Second Homes
Vacation homes and secondary residences
Min Down Payment10%
Min Credit Score640
Upfront MI
Monthly MIIf <20% down
Best For:
- Vacation properties
- Future retirement homes
- Part-time residences
Non-QM Products
Bank Statement, DSCR, P&L, and alternative income loans
Min Down Payment10%
Min Credit Score600
Upfront MI
Monthly MI
Best For:
- Self-employed borrowers
- Complex income situations
- Investment property financing
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