Chat with us, powered by LiveChat

Learning Center

Learn More

Conventional Loans

Conventional loans are available with fixed and adjustable interest rates. Generally, homebuyers with higher credit scores are rewarded with lower interest rates.

Program Highlights

  • Higher loan amounts are available.
  • Mortgage insurance may be cancelled after you build your equity, which is the amount you’ve repaid on your loan plus any increase in your home’s value.
  • A variety of fixed-rate and adjustable-rate mortgages (ARMs) are available.
  • Home Possible® products provide affordable loans for 1-4 unit homes. Borrower income limits apply.

Government Insured Loans

FHA Loans

An FHA loan is a government-insured mortgage, which provides easier qualifying requirements for first time home buyers. FHA loans feature low down payments and easier credit score requirements.

Program Highlights

  • Fixed-rate and adjustable-rate mortgages (ARMs) are available.
  • Your family members may help you with gift funds to cover closing costs and down payments*.
  • Down payment assistance and grants are allowed.
  • Our FHA 203(k) loan provides additional funds for remodeling and repairs before move-in.
  • HUD REO loans only require $100 down for buying a foreclosed property.

* FHA first time homebuyers using gift funds on a purchase transaction in one of the following states (CT, DC, GA, MD, NJ, OH, PA) must have a minimum 660 FICO or cash reserves equal to a minimum of one month loan payment available.


USDA Loans

A USDA Guaranteed Loan is a government-insured loan created for homebuyers in areas with rural zoning. You may qualify for USDA financing with no money down and imperfect credit.

Program Highlights

  • Competitive, fixed-rate financing.
  • No cash reserves are required.
  • Your loan’s closing costs can be paid by your property’s seller.
  • Household income limits apply.

Jumbo Loans

Jumbo loans offer additional loan funds that are over the annual conforming loan limits*.

Program Highlights

  • You may need Jumbo financing if you’re buying in a high-cost area.
  • Fixed- and adjustable-rate loans are available.
  • Generally, Jumbo loans are priced slightly higher than conventional loans.

* http://www.fhfa.gov

Non-Agency Loans

Millions of people are ready to move up or get into the housing market, but conventional loans may not be the best fit for you.

Program Highlights

  • Down payments as low as 5%
  • Loan Amounts up to $3 Million
  • Flexible qualifying guidelines

An intelligent design platform build for
every type of industry.

We design and build the tools necessary to compete and win
in the digital marketplace.