Loan Programs
Compare how mortgage programs work, who they may fit, and their costs and limitations. Availability depends on participating lenders, property location, and verified licensing; eligibility requires lender approval.
Conventional
Understand conventional mortgages, conforming loan limits, down payments, private mortgage insurance, and how to compare them with government-backed loans.
FHA
Learn how FHA-insured mortgages work, including down payment eligibility, mortgage insurance, property standards, and costs compared with conventional loans.
VA
Explore VA purchase-loan eligibility, the Certificate of Eligibility, potential no-down-payment financing, funding fees, and owner-occupancy requirements.
USDA
Review USDA guaranteed home loans, eligible rural locations, household income limits, owner occupancy, guarantee fees, and no-down-payment conditions.
Jumbo
Understand jumbo mortgages above conforming loan limits, lender-specific credit and reserve requirements, appraisal considerations, and financing tradeoffs.
Down Payment Assistance
Learn how down payment assistance grants and second mortgages work, including income limits, education, funding availability, repayment, and forgiveness rules.
DSCR
Understand DSCR rental-property financing, how lenders compare rent with housing costs, and the down payment, reserve, vacancy, and prepayment risks to consider.
Bank Statement
Learn how bank statement mortgages assess self-employed income, why deposits are not all qualifying income, and what documentation, costs, and reserves may apply.
Renovation
Explore renovation mortgages, including FHA 203(k), repair escrows, contractor approval, after-improved appraisals, project timing, and cost-overrun risks.
Reverse Mortgage
Understand HECM reverse mortgages for eligible homeowners age 62 and older, required counseling, growing balances, property obligations, and repayment events.