Mortgage Loan Programs

Explore common loan program paths and start borrower intake. Final options, pricing, approvals, and rate locks require verified information and licensed review.

🏠

Conventional Loans

A common path reviewed against verified income, assets, credit, and property details

  • ✓5-20% down payment options
  • ✓Fixed & adjustable rates
  • ✓Down payment assistance programs
  • ✓Credit criteria vary by lender, investor, and full file review

Program path

Licensed review

Pricing, APR, and lock terms are not shown here and require verified information.

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🏡

FHA Loans

First-time homebuyers welcome

  • ✓As low as 3.5% down payment
  • ✓Credit criteria require full file review
  • ✓Property and borrower details must be verified
  • ✓Pricing depends on verified data and market conditions

Program path

Licensed review

Pricing, APR, and lock terms are not shown here and require verified information.

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🪖

VA Loans

For active duty and veterans

  • ✓0% down payment
  • ✓No PMI required
  • ✓Pricing depends on verified eligibility and market conditions
  • ✓Limited closing costs

Program path

Licensed review

Pricing, APR, and lock terms are not shown here and require verified information.

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🌾

USDA Loans

For rural and suburban properties

  • ✓100% financing available
  • ✓No down payment required
  • ✓Income limits apply
  • ✓Guarantee fee and income/property limits may apply

Program path

Licensed review

Pricing, APR, and lock terms are not shown here and require verified information.

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💎

Jumbo Loans

For high-value properties

  • ✓Loan amounts over $766,550
  • ✓Flexible terms available
  • ✓Manual review expectations vary by investor
  • ✓Pricing depends on verified data and market conditions

Program path

Licensed review

Pricing, APR, and lock terms are not shown here and require verified information.

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🔄

Refinance

Lower your rate or cash out

  • ✓Rate & Term refinancing
  • ✓Cash-out refinancing
  • ✓Review current refinance options
  • ✓IRRRL for VA loans

Program path

Licensed review

Pricing, APR, and lock terms are not shown here and require verified information.

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Program Comparison

ProgramMin DownCreditInsurance / feesBest For
Conventional5%Varies by lender/investorMay apply under 20% downMost borrowers
FHA3.5%Requires full file reviewMIP generally appliesFirst-time buyers
VA0%Requires eligibility reviewFunding fee may applyVeterans
USDA0%Requires eligibility reviewGuarantee fee may applyRural areas
Jumbo10%+Investor-specificDepends on programHigh-value homes

Common Questions

What's the difference between these loan programs?▼

Each program has different requirements and benefits. Conventional loans are most flexible. FHA requires lower credit scores. VA and USDA offer special benefits. Jumbo is for high-value properties. Let us help you find the best fit.

What is PMI and when do I need it?▼

PMI (Private Mortgage Insurance) protects the lender if you default. You typically need it if your down payment is less than 20%. VA and some loans don't require PMI.

Can I switch programs?▼

Yes! During the application process, we'll explore options and recommend the best program for your situation. Many borrowers qualify for multiple programs.

What documents do I need?▼

Generally: recent pay stubs, W2s, tax returns, bank statements, and ID. For self-employed: business returns, profit & loss statements. We'll tell you exactly what we need.

Ready to Find Your Program?

Start intake for program guidance. Final pricing, terms, approvals, and rate locks require verified information and licensed review.

Start Intake