Loan Solutions

Conventional loans are the most common mortgage option and are not backed by any government agency. They typically require a solid credit history and stable income. ​​Who it’s for: Homebuyers with good credit and some savings for a down payment (As low as 3% for first-time homebuyers under HomeReady® and Home Possible®). Why choose it: If you qualify, you can enjoy competitive rates, flexible terms, and even avoid private mortgage insurance by putting 20% down.

USDA loans are backed by the U.S. Department of Agriculture to support homebuyers in rural communities. ​Who it’s for: Buyers purchasing a home in eligible rural or suburban areas who meet certain income guidelines. ​Why choose it: USDA loans offer lower interest rates and often require no down payment, making it easier to afford a home in a small town or countryside. It’s a great option if you’re looking outside city limits and want 100% financing.

An FHA loan is insured by the Federal Housing Administration and designed to make homeownership accessible. It’s often easier to qualify for than a conventional loan. Who it’s for: Buyers with lower credit scores or smaller down payments (minimum 3.5% down). Why choose it: FHA loans offer more forgiving credit requirements and lower down payment options, helping first-time buyers or those with past credit challenges buy a home with confidence.

JUMBO loans allow you to borrow above the standard conforming loan limits (the maximum loan size for conventional financing). These products may have a high ​Who it’s for: Homebuyers purchasing high-value or luxury properties that exceed typical loan limits. ​Why choose it: Jumbo loans make it possible to finance your dream home fully, in one loan. They do typically require strong credit and a larger down payment, but they open the door to homes that wouldn’t be attainable with a standard loan. These products may have a higher interest rate, more points, or more fees than other products requiring documentation.

VA loans are backed by the U.S. Department of Veterans Affairs as a benefit for those who have served our country. Who it’s for: Eligible veterans, active-duty service members, and their qualified spouses. Why choose it: This program allows you to purchase a home with no down payment and no private mortgage insurance. VA loans also feature competitive interest rates and flexible terms as a thank you for your service.

Bank Statement loans offer a flexible financing solution for people with non-traditional income. Instead of using W-2s or tax returns, you qualify based on your bank deposit history (usually the past 12–24 months of statements). ​Who it’s for: Self-employed individuals, freelancers, small business owners, or anyone whose income is hard to verify with standard paperwork. ​Why choose it: This loan allows financially stable people who write off many expenses or have irregular income to still qualify for a mortgage. It is all about looking at your true cash flow, giving you a path to homeownership on your own terms. These products may have a higher interest rate, more points, or more fees than other products requiring documentation.