Loan Options
Different paths.
The same place to call home.
A loan type is one part of the decision. Your budget, savings, property and plans help decide which options are worth exploring. Pick any three to compare, including Non-QM options for the self-employed and investors.
Conventional
Financing outside a government program.
FHA
Government-insured, with flexible credit.
VA
For eligible veterans and service members.
These are starting points for a conversation. Program availability and eligibility are subject to lender review. Figures are typical program guidelines; individual lenders can require more. FHA's 3.5% minimum needs a 580+ score. VA funding fees are waived for many disabled veterans. Non-QM loans fall outside the federal Qualified Mortgage rules. They verify income in other ways and usually carry higher rates and larger down payments.