Loan Programs

Buying your first home can feel overwhelming, especially when it comes to money. Many programs are designed to make homeownership more accessible.

These options may include:

• Low down payment programs

• Down payment assistance (100% financing!)

• Flexible credit guidelines

• Special pricing for certain income levels

If this is your first time buying, our focus is helping you build a plan that feels comfortable — not just one that works on paper.

Good fit for: Buyers who want guidance and a clear starting point.

Conventional loans are the most common type of mortgage and offer flexibility depending on your credit and down payment.

Highlights:

• As little as 3% down for qualified buyers

• Mortgage insurance can be removed once enough equity is built

• Often the best option for strong credit profiles

Good fit for:
Buyers with stable income and solid credit who want long-term flexibility.

FHA loans are government-backed and designed to help buyers with lower down payments or credit scores.

Highlights:

• Lower down payment requirements

• More forgiving credit guidelines

• Often helpful for first-time buyers

Things to know:

• Mortgage insurance is required

• Appraisal standards can be more detailed

Good fit for: Buyers who want a lower barrier to entry and don’t mind trading some flexibility for accessibility.

VA loans are available to eligible veterans, active-duty service members, and some surviving spouses.

Highlights:

• No down payment required in most cases

• No monthly mortgage insurance

• Competitive interest rates

Good fit for: Military buyers who want to take advantage of one of the strongest home loan programs available.

USDA loans help buyers purchase homes in eligible rural and suburban areas.

Highlights:

• No down payment required

• Lower mortgage insurance costs than many programs

• Income limits apply

Good fit for: Buyers who qualify by location and income and want a low upfront cost option.

Building a home has more moving parts than buying an existing one — and the financing matters just as much as the builder.

We offer construction loan options through:

• Conventional construction loans

• FHA construction loans

• VA construction loans

• USDA construction loans

Depending on the program, construction loans can allow you to:

• Finance the lot and build in one loan

• Make interest-only payments during the build

• Roll construction and mortgage into a single closing
  

Construction lending is more specialized than standard home loans — and it’s something we do regularly.

Good fit for: Buyers who want to build instead of buy and want one team guiding them through both construction and mortgage financing.

Refinancing replaces your current loan with a new one — often to improve your financial picture.

Common reasons to refinance:

• Lower your interest rate

• Change from an adjustable to a fixed rate

• Shorten or extend your loan term

• Remove mortgage insurance

• Access cash for renovations or debt consolidation

Good fit for: Homeowners who want to take advantage of better terms or changing financial goals.

If you already own a home, you may be able to borrow against your equity for large expenses.

Options may include:

• Home equity lines of credit (HELOCs)

• Fixed-rate home equity loans

Good fit for: Homeowners who want flexibility without refinancing their entire mortgage.

If you’re buying a rental property or building a real estate portfolio, your financing strategy can look very different from an owner-occupied home.

We offer investor-friendly options such as:

• DSCR (Debt Service Coverage Ratio) loans

• Traditional investment property loans

• Portfolio and specialty investor programs

DSCR loans focus more on the property’s income than your personal income, which can be helpful for:

• Long-term rentals

• Short-term rentals

• Investors who want to scale

Good fit for: Real estate investors who want flexible financing not tied strictly to personal income.

Not everyone fits neatly into traditional lending guidelines — and that’s okay.

Non-QM loan options include:

• Bank Statement loans

• Profit & Loss–based programs

• ITIN loans

• Certain Jumbo loan options
  
  

These programs may help if you:

• Are self-employed with high write-offs

• Don’t show income the traditional way

• Don’t have a Social Security number

• Have strong assets but complex income

Good fit for: Buyers with solid finances who don’t fit conventional lending boxes.

If you’re purchasing a higher-priced home, a jumbo loan may be required.

Jumbo loans:

• Exceed standard conforming loan limits

• Often have stricter credit and asset requirements

• Can be structured with fixed or adjustable rates

Good fit for: Buyers purchasing higher-value homes who want financing beyond standard loan limits.