Find the loan that fits you

Down payments as low as 3% with flexible income and credit requirements.

Great for limited savings or lower credit scores — only 3.5% down payment required.

For veterans, service members, and surviving spouses. $0 down, no PMI, flexible credit.

For rural and suburban families — no down payment and reduced mortgage insurance.

Finance high-priced homes above standard loan limits at competitive rates.

A lower rate early on — ideal if you plan to move or refinance within a few years.

Qualify on 12–24 months of bank statements instead of W-2s — built for the self-employed.

Approval based on the property’s rental income covering the payment — ideal for investors.

Use savings, investments, or retirement accounts to qualify — no traditional income docs.

For non-U.S. citizens buying U.S. property, even without U.S. credit history or residency.

Lower your rate, shorten your term, or switch from an ARM to a fixed-rate loan.

Tap your home equity for debt consolidation, tuition, or major expenses.

Lower your rate with minimal paperwork — often no appraisal or income verification.

Interest Rate Reduction Refinance for existing VA loans — usually no appraisal or income check.

For existing USDA loans — no appraisal or credit review, must show $50+/month in savings.

Qualify on business or personal deposits — ideal for self-employed borrowers without W-2s.

For real estate investors — approval based on rental property income, not personal income.

Use savings, investments, or retirement funds as proof of ability to repay.

Borrow against your home’s value with fixed interest and predictable payments.

A flexible credit line you draw from as needed — like a credit card, backed by your home.

For homeowners 62+. Convert home equity into cash with no monthly mortgage payment required.