Loan Programs
Find the perfect loan program for your unique situation. From first-time buyers to luxury homes, we have options for everyone.
Programs Available
11+
Min Down Payment
0%
Min Credit Score
580
First-Time Friendly
Yes
Conventional Loans
Traditional mortgages with competitive rates and flexible terms
Popular
As little as 3% down payment
No mortgage insurance with 20% down
Available for primary, second homes, and investments
Loan amounts up to $766,550 (2024 limit)
Pros
- • Lower rates with good credit
- • Flexible loan terms
- • No upfront mortgage insurance
Cons
- • Stricter credit requirements
- • PMI required with less than 20% down
- • Higher down payment than government loans
Min Credit Score620
Min Down Payment3%
Best for: Borrowers with good credit and stable income
FHA Loans
Government-backed loans with low down payment requirements
Popular
Down payment as low as 3.5%
Credit scores from 580+
Gift funds allowed for down payment
Assumable loans
Pros
- • Lower credit score requirements
- • Low down payment
- • Competitive interest rates
Cons
- • Mortgage insurance required
- • Loan limits vary by area
- • Property must meet FHA standards
Min Credit Score580
Min Down Payment3.5%
Best for: First-time buyers and those with limited savings
VA Loans
Exclusive benefits for veterans and active military members
Military
No down payment required
No mortgage insurance
Competitive interest rates
No prepayment penalties
Pros
- • 100% financing available
- • No PMI ever
- • Lenient credit requirements
Cons
- • VA funding fee required
- • Primary residence only
- • Property must meet VA standards
Min Credit ScoreNo minimum
Min Down Payment0%
Best for: Veterans, active military, and eligible spouses
Jumbo Loans
Financing for luxury properties exceeding conforming limits
Loan amounts over $766,550
Competitive rates available
Various term options
Interest-only options available
Pros
- • Finance luxury properties
- • Competitive rates for qualified borrowers
- • Flexible terms
Cons
- • Higher credit score required
- • Larger down payment needed
- • More documentation required
Min Credit Score700
Min Down Payment10-20%
Best for: High-income earners buying luxury properties