Different loan paths for different borrower needs.
Mortgage programs vary in eligibility, property requirements, cost structure, and flexibility. Our role is to help you understand which categories may be worth a closer look.
A practical overview of common mortgage paths.
The descriptions below are educational and do not represent an offer, approval, or guarantee of program availability.
Conventional
Purchase & refinanceA widely used mortgage category not insured by a federal housing agency. Eligibility and terms depend on underwriting and program guidelines.
Discuss fitFHA
Government-insuredFederal Housing Administration-insured mortgages may offer a different eligibility framework than conventional financing.
Discuss fitVA
Eligible military borrowersVA-backed mortgage financing may be available to eligible veterans, service members, and certain qualifying borrowers.
Discuss fitUSDA
Eligible rural areasUSDA-backed programs can support qualified borrowers and eligible properties in designated areas, subject to program requirements.
Discuss fitJumbo
Higher loan amountsJumbo mortgages are generally used when financing needs exceed conforming loan limits and typically follow distinct underwriting standards.
Discuss fitRefinance
Existing homeownersRefinancing may be considered to change a current mortgage structure, subject to costs, eligibility, equity, and program rules.
Learn moreLook beyond the headline rate.
A useful loan comparison considers the full structure of the financing.
Upfront cost
Consider down payment, closing costs, points, credits, and other applicable charges.
Monthly cost
Review principal, interest, taxes, insurance, and any applicable mortgage insurance.
Loan term
Understand how the repayment timeline affects both payment and total interest.
Flexibility
Consider how the loan structure fits your expected time in the home and future plans.