Loan Options

Understand your home-loan options.

The right starting point depends on your goals, finances, property and eligibility. Explore the main program categories, then discuss the details with the team.

A small wooden model house beside a set of house keys, a notebook and a pen on a wooden table.

Conventional Loans

Conventional financing may be available for eligible primary residences, second homes and investment properties. Down-payment options, mortgage insurance and other requirements depend on the specific program and borrower.

FHA Loans

FHA loans are government-insured mortgages that may be suitable for a range of borrowers, including some first-time homebuyers. Credit, down-payment and property requirements apply.

VA Loans

VA loan options are available to eligible veterans, service members and qualifying surviving spouses. Eligibility, entitlement and the specific transaction determine the available options.

USDA Loans

USDA financing may be available to eligible borrowers purchasing qualifying properties in eligible areas. Household income, property location and program requirements apply.

Refinancing

Refinancing replaces an existing mortgage with a new loan. Whether it makes sense depends on your goals, available terms, costs and how long you expect to keep the loan.

Down Payment Assistance

Some eligible buyers may have access to assistance programs. Availability, funding, income limits, location and other conditions vary. Ask which programs may apply to your situation.

Not sure where to start?

You do not need to choose a program before speaking with the team. Start by explaining your plans and asking which options may fit.