From first-time buyer programs to jumbo loans, we match the right loan to your situation from 50+ lender partners.
Conventional loans are the most common type of mortgage and are not backed by a government agency. They offer competitive rates, flexible terms, and are available for primary residences, second homes, and investment properties.
With strong credit and a solid financial profile, conventional loans often provide the best overall terms. Down payments can be as low as 3% for first-time buyers, though putting down 20% eliminates the need for private mortgage insurance (PMI).
Buyers with good-to-excellent credit (620+), stable income, and the ability to make at least a 3% down payment. Ideal for those who want the lowest long-term cost.
FHA loans are insured by the Federal Housing Administration and are designed to make homeownership accessible to borrowers who may not qualify for conventional financing. They feature lower credit score requirements and smaller down payments.
These loans are especially popular with first-time homebuyers because of their flexible qualifying guidelines. The trade-off is that FHA loans require both an upfront mortgage insurance premium (UFMIP) and annual mortgage insurance premiums (MIP) for the life of the loan in most cases.
First-time homebuyers, borrowers with credit scores between 500-679, or anyone who needs a lower down payment option. Great for buyers rebuilding credit after a financial setback.
VA loans are guaranteed by the U.S. Department of Veterans Affairs and offer exceptional benefits to eligible veterans, active-duty service members, and qualifying surviving spouses. They are one of the best mortgage products available in the market.
The most significant benefit is zero down payment, meaning you can finance 100% of the home's value. There is no private mortgage insurance requirement, and VA loans typically offer lower interest rates than conventional loans.
Veterans, active-duty military, National Guard/Reserve members with qualifying service, and eligible surviving spouses. If you qualify, a VA loan is almost always your best option.
USDA loans are backed by the U.S. Department of Agriculture and are designed to promote homeownership in rural and suburban areas. They offer zero down payment and competitive rates for eligible borrowers in qualifying locations.
The "rural" designation is more generous than most people expect. Many suburban communities qualify, including areas on the outskirts of major metro regions. Income limits apply, but they are based on area median income and are higher than you might think.
Moderate-income buyers purchasing in USDA-eligible rural or suburban areas who want a zero-down-payment option with competitive rates. Check USDA eligibility maps to see if your area qualifies.
Jumbo loans exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In most areas, this means loan amounts above $766,550 (2024 limits), though higher-cost areas have higher thresholds.
Because jumbo loans cannot be purchased by Fannie Mae or Freddie Mac, they carry slightly higher rates and stricter qualification requirements. However, our access to 50+ lenders means we can find competitive jumbo rates that many borrowers are surprised to see.
Buyers purchasing higher-priced properties who need loan amounts exceeding conforming limits. Requires strong credit, significant assets, and higher down payments.
Already have a mortgage? Refinancing replaces your current loan with a new one, potentially at a better rate or with different terms. There are several types of refinancing to match different goals.
Rate-and-Term Refinance: Replace your current loan with a lower rate or different term length. This is the most common type and is ideal when rates have dropped since you originally financed.
Cash-Out Refinance: Borrow more than you owe and take the difference in cash. Useful for home improvements, debt consolidation, or major expenses.
Streamline Refinance: Simplified refinancing for FHA and VA loans with reduced documentation and faster processing. Often available without a new appraisal.
Homeowners looking to lower their rate, shorten their loan term, eliminate PMI, or access home equity. Best when current rates are at least 0.5% - 1% below your existing rate.
A side-by-side look at key features across our most popular loan programs. All rates are illustrative.
| Feature | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| Min. Down Payment | 3% | 3.5% | 0% | 0% |
| Min. Credit Score | 620 | 500 | 620* | 640 |
| Mortgage Insurance | PMI (removable at 20%) | MIP (life of loan) | None | Guarantee fee |
| Illustrative Rate | 6.50% | 6.25% | 6.00% | 6.25% |
| Property Types | Primary, 2nd home, investment | Primary only | Primary only | Primary only (rural) |
| Income Limits | None | None | None | 115% of area median |
| Loan Limits | $766,550 (most areas) | $498,257 (most areas) | No limit | Varies by area |
*VA has no official minimum credit score, but most lenders require 620. Rates are illustrative and do not represent an offer to lend.
Buying your first home is one of the biggest financial decisions you'll make. We're here to make it clear, manageable, and even enjoyable.
First-time buyers have access to programs that make homeownership more affordable than you might think. Here's what's available:
Review your credit report and score. We can help you understand where you stand and what to improve before applying.
Know exactly how much home you can afford before you start shopping. Pre-approval also signals to sellers that you're a serious buyer.
Work with a real estate agent to find the right property. We can recommend trusted agents in your area.
Your agent will help you craft a competitive offer. Your pre-approval letter gives you an edge.
We handle appraisal coordination, underwriting, and all the paperwork. You stay informed at every step.
Sign the final documents, get your keys, and celebrate. Welcome home.
That's exactly what we're here for. Schedule a free consultation and we'll walk through your options together.