Home Loan Options
Whether you're buying your first home, upgrading, or tapping into equity, we have the perfect loan for you.
Conventional Loans
Traditional financing with competitive rates for qualified borrowers. Available in fixed and adjustable rate options.
- •Down payments as low as 3%
- •Fixed & ARM options
- •Up to $766,550 loan limit
- •No mortgage insurance with 20% down
FHA Loans
Government-backed loans ideal for first-time buyers with flexible credit and income requirements.
- •3.5% minimum down payment
- •Credit scores from 580+
- •Gift funds allowed
- •Seller concessions up to 6%
VA Loans
Exclusive zero-down financing for active military, veterans, and eligible surviving spouses.
- •0% down payment
- •No PMI required
- •Competitive rates
- •Limited closing costs
USDA Loans
Zero-down loans for eligible rural and suburban homebuyers with moderate income levels.
- •0% down payment
- •Low mortgage insurance
- •Below-market rates
- •Rural & suburban eligible areas
Jumbo Loans
High-value financing for luxury properties exceeding conforming loan limits.
- •Loans up to $5 million+
- •Competitive rates
- •Primary, 2nd home & investment
- •Flexible terms
Refinance Loans
Lower your rate, reduce your term, or tap into your home equity with a refinance.
- •Rate-and-term refinance
- •Cash-out refinance
- •Streamline options (FHA/VA)
- •No-cost refinance available
HELOC & Home Equity
Access your home equity through a line of credit or fixed-rate home equity loan.
- •Borrow up to 90% CLTV
- •Interest-only options
- •Flexible draw periods
- •Tax-deductible interest*
Construction Loans
Finance your new build from ground-breaking to move-in with a single-close construction loan.
- •Single or two-time close
- •Interest-only during build
- •Converts to permanent loan
- •Custom home financing
Find Your Best Loan Match
Compare the four most popular loan programs to see which one fits your situation.
| Feature | Conventional | FHA | VA | Commercial |
|---|---|---|---|---|
| EligibilityWho Qualifies | All borrowers | All borrowers | Veterans & active military | Investors & businesses |
| Down PaymentMinimum Down | As low as 3% | 3.5% (580+ score) | 0% — none required | 20–30% |
| Credit ScoreMin. Credit Score | 620+ | 580+ (500 w/ 10% down) | No minimum (lender varies) | 650+ |
| Mortgage InsurancePMI / MIP Required | Only if < 20% down | Required (lifetime) | None — ever | — |
| Loan LimitsLoan Limits | Up to $766,550 (conforming) | Up to $498,257 (varies by county) | No set limit (entitlement-based) | $500K – $50M+ |
| Property TypeProperty Use | Primary, 2nd home, investment | Primary residence only | Primary residence only | Income-producing properties |
| RatesRate Type | Fixed & ARM | Fixed & ARM | Fixed & ARM | Fixed & variable |
| Best ForIdeal Borrower | Good credit, stable income | First-time buyers, lower credit | Veterans & service members | Real estate investors & businesses |
Compare Any Two Loans
Select two loan products to see their key differences side-by-side and find the right fit for your deal.
| Feature | Conventional | Hard Money |
|---|---|---|
| OverviewBest For | Good credit, stable income | Fast, asset-based deals |
| CostMinimum Down Payment | As low as 3% | 20–30% |
| CostMinimum Credit Score | 620+ | Credit flexibility |
| CostRate Type | Fixed & ARM | Interest-only |
| CostLoan Limits | Up to $766,550 (conforming) | Property-value-based |
| CostMortgage Insurance | Only if < 20% down | N/A |
| EligibilityProperty Use | Primary, 2nd home, investment | Investment properties |
| ProcessClosing Speed | 30–45 days | Days, not weeks |
| ProcessTypical Term | 15, 20, 30 years | 6–24 months |
Commercial & Investment Loans
From multi-family apartments to commercial properties, bridge loans to fix-and-flip — we fund it all.
Commercial Mortgage
Long-term financing for office buildings, retail centers, and other commercial properties.
- •Up to 80% LTV
- •Terms up to 30 years
- •Fixed & variable rates
- •Non-recourse options
Multi-Family Loans
Financing for apartment buildings and multi-unit residential investment properties.
- •5+ unit properties
- •Fannie/Freddie programs
- •Bridge to permanent
- •Value-add financing
SBA 504 Loans
Government-backed commercial loans with below-market fixed rates for owner-occupied properties.
- •As low as 10% down
- •Below-market rates
- •Up to $5.5 million
- •10, 20 & 25-year terms
Bridge Loans
Short-term financing to bridge the gap between property acquisition and permanent financing.
- •Fast closings (7-14 days)
- •12-36 month terms
- •Interest-only payments
- •Up to 80% LTV
Hard Money Loans
Asset-based lending focused on property value rather than borrower qualifications.
- •Close in days, not weeks
- •Credit flexibility
- •Rehab financing
- •Nationwide lending
DSCR Loans
Debt Service Coverage Ratio loans for real estate investors — qualify based on property income.
- •No personal income docs
- •Investor-friendly
- •Short-term rentals eligible
- •Close in LLCs
Fix & Flip Loans
Short-term financing for property investors looking to renovate and resell for profit.
- •Up to 90% of purchase price
- •Rehab funds included
- •Quick approvals
- •Experienced & new investors
Mixed-Use Loans
Financing for properties combining commercial and residential spaces under one roof.
- •Flexible use requirements
- •Competitive rates
- •Owner-occupied options
- •Multiple program options
Private Money Loans
Access private capital with flexible underwriting and customized loan structures for any deal.
- •Common sense underwriting
- •Residential & commercial
- •Creative loan structures
- •Nationwide — all 50 states
Find Your Best Loan
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Mortgage Calculator
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Loan Amount
$400,000
Down Payment
$100,000
Total Interest
$510,178