Loan Options
Find the Mortgage Option That Fits Your Next Move
Compare common home loan programs, understand the tradeoffs, and connect with a licensed mortgage advisor who can help you choose a path with clarity.
Multiple Loan Programs · Guidance for purchase, refinance, and investment goalsLoan options for different goals, budgets, and timelines
The right mortgage depends on your income, credit profile, down payment, property type, location, and long-term goals. Here are common loan options borrowers ask us about.
Conventional Loans
Best for borrowers with stronger credit, stable income, and flexible down payment options.
FHA Loans
A flexible option for eligible buyers who may need a lower down payment or more flexible credit guidelines.
VA Loans
A powerful mortgage option for eligible veterans, active-duty service members, and qualifying spouses.
USDA Loans
For eligible borrowers purchasing qualifying properties in USDA-eligible areas.
Jumbo Loans
For higher-priced homes that exceed conforming loan limits.
Refinance Loans
For homeowners who want to review their current mortgage and explore new loan terms.
Investment Property Loans
For buyers purchasing or refinancing rental and investment properties.
Learn what to compare before you choose
These resources help connect borrower questions to the right loan program, whether the scenario is straightforward or needs a closer review.
How To Compare Mortgage Loan Offers
Review rate, APR, points, lender credits, and total closing costs before choosing a lender.
Mortgage Rate vs. Closing Costs
Understand the tradeoff between a lower rate, upfront costs, lender credits, and break-even timing.
Mortgage Second Opinion
Learn what to review if another lender said no, delayed, or gave unclear guidance.
Compare at a Glance
| Loan Type | Common Use | Key Benefit | Things to Know |
|---|---|---|---|
| Conventional | Purchase, refinance, second homes, investment properties | Flexible and widely used | Credit, income, and equity requirements apply |
| FHA | Purchase or refinance | Flexible down payment/credit guidelines | Mortgage insurance typically required |
| VA | Eligible military borrowers | Strong benefits for eligible borrowers | VA eligibility and funding fee rules apply |
| USDA | Eligible rural/suburban properties | Down payment may not be required | Income and property location limits apply |
| Jumbo | Higher-balance homes | Financing above conforming loan limits | Documentation/reserve requirements may be higher |
| Refinance | Current homeowners | Adjust payment, term, or equity strategy | Savings and costs should be compared carefully |
| Investment | Rental/investment goals | Supports real estate portfolio growth | Requirements vary by property and loan scenario |
Loan Options FAQ
Compare Your Loan Options
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