Not sure which program you qualify for? Just call.
One short call and a local advisor guides you to the right loan.
Buying a home 6
Four loans cover almost every purchase. Your advisor matches the one your credit, down payment and property fit.
Refinancing 5
Lower the rate, shorten the term, or turn equity into cash — each is a different loan with a different payoff.
Down payment & closing-cost help 13
Grants, forgivable loans and deferred second mortgages that cover the cash most buyers get stuck on. Most are first-time-buyer programs with income and location limits — your advisor confirms what you qualify for.
Renovate or borrow against your home 2
Finance the work in the purchase, or tap equity you already have.
Reverse mortgages 2
For homeowners 62 and over: use the equity you’ve built without a monthly mortgage payment.
When the standard loan doesn’t fit 4
Self-employed income, a condo the agencies won’t touch, or a move that doesn’t line up — there’s a loan for it.
The four purchase loans, side by side
Rough guidelines — your advisor confirms the exact numbers for your file.
| Loan | Minimum down | Credit score | Mortgage insurance | Best for |
|---|---|---|---|---|
| Conventional | 3% and up | 620+ | Drops off at 20% equity | Solid credit, any property type |
| FHA | 3.5% | 580+ | For the life of the loan (under 10% down) | First-time buyers, lower credit |
| VA | 0% | Flexible | None | Veterans and service members |
| USDA | 0% | 640+ typical | Low annual fee | Eligible rural and suburban areas |
Still comparing? Let a pro narrow it down for you.
One free conversation with a licensed local advisor and you will know which of these programs you qualify for. No obligation.
Nine steps from first call to first payment
Every loan above follows the same path. Your advisor walks you through each step.
- 1
Pre-approval
A loan officer checks your credit and income and tells you what you can afford — before you shop.
- 2
Application & documents
Offer accepted. You send W-2s, pay stubs and bank statements and sign the initial disclosures.
- 3
Processing
Your processor verifies everything and builds the file for underwriting.
- 4
Appraisal
An independent appraiser confirms the home is worth the price.
- 5
Underwriting
The underwriter checks the file against the program guidelines and your debt-to-income ratio.
- 6
Conditional approval
Approved, pending a few last items — an updated pay stub, a signed letter.
- 7
Clear to close
The best three words. Your Closing Disclosure arrives at least three days before closing.
- 8
Closing
Sign at the attorney or title office and leave with the keys.
- 9
Your first payment
Usually due the first of the second month after closing. Your loan officer stays a phone call away.
Tell us the goal. We’ll match the loan.
A ten-minute call with a local advisor beats an hour of reading. No cost, no commitment.