Loan types

Not sure which loan fits? Start here. Each one suits a different buyer — and the only way to know your real numbers is to compare offers.

FHA Loans

Lower down payments, flexible credit

First-time buyers, buyers with credit in the 580–660 range, or anyone who wants a low down payment.

$0 down for those who served

Eligible veterans, active-duty service members, National Guard/Reserve, and qualifying surviving spouses.

$0 down in eligible areas

Buyers in qualifying rural and suburban areas who meet income limits.

The flexible standard

Buyers with good credit and a down payment of 3% or more who want lower long-term costs.

Financing above conforming limits

Buyers of higher-value homes whose loan amount exceeds the conforming limit for their county.

Lower your rate or tap equity

Homeowners who want a lower payment, a shorter term, or to access equity.

Borrow against what you've built

Homeowners with equity who want flexible access to cash for renovations, debt consolidation, or major expenses.

Tell us your situation and brokers will recommend the right loan — and compete on the rate.