LOAN OPTIONS: FIND THE RIGHT FIT FOR YOU

These are standard mortgages offered by private lenders without government insurance. They typically require a higher credit score and down payment but offer flexibility in loan amounts and terms.

Insured by the Federal Housing Administration, FHA loans are accessible to first-time homebuyers and those with lower credit scores. They feature lower down payment requirements and more lenient qualification criteria.

Guaranteed by the U.S. Department of Veterans Affairs and are available to eligible veterans, active-duty service members, and certain spouses. They often require no down payment and have competitive interest rates.

Backed by the U.S. Department of Agriculture and are intended for low- to moderate-income borrowers purchasing homes in rural areas. They offer no down payment options and favorable terms.

Designed for real estate investors, Debt-Service Coverage Ratio (DSCR) loans evaluate the property's income potential rather than the borrower's income. They are used to finance investment properties based on their rental income potential.

These programs provide financial assistance to homebuyers, typically in the form of grants or low-interest loans, to cover all or part of the down payment and closing costs. They aim to make homeownership more accessible, especially for first-time buyers.

Allow borrowers to finance both the purchase price of a home and the cost of renovations or repairs into a single mortgage. They are ideal for purchasing homes that need significant upgrades or repairs.

Guaranteed by the U.S. Department of Veterans Affairs and are available to eligible veterans, active-duty service members, and certain spouses. They often require no down payment and have competitive interest rates.

These programs provide financial assistance to homebuyers, typically in the form of grants or low-interest loans, to cover all or part of the down payment and closing costs. They aim to make homeownership more accessible, especially for first-time buyers.

Exceed the limits set by Fannie Mae and Freddie Mac, making them suitable for purchasing higher-priced homes. They typically require excellent credit scores, larger down payments, and stricter underwriting standards.