Conventional
The workhorse home loan for buyers with steady income and solid credit. Conforming loan limits, the strongest rates on the market, and refreshingly straightforward documentation. Put down 20% and you skip mortgage insurance entirely.
A couple puts 20% down on a $750,000 home, locks a competitive 30-year fixed, and avoids monthly mortgage insurance — keeping their payment lean for the long haul.
FHA / VA
Backed by the federal government, these loans open the door for buyers with smaller down payments or a shorter credit history. VA loans reward eligible veterans and active service members with some of the best terms in the market — often zero down and no monthly mortgage insurance.
A veteran buys with $0 down and no monthly mortgage insurance using their VA entitlement — turning years of service into a real head start on homeownership.
No / Low Down Payment
Programs and down-payment assistance designed to minimize the cash you need at closing — sometimes as little as nothing — including grants that never have to be repaid. The income is there; this is about not draining your savings to get the keys.
A first-time buyer covers their down payment with a grant and keeps their savings intact for moving costs, furniture, and a healthy emergency fund.
Jumbo
For homes priced above conforming loan limits. Jumbo loans finance larger amounts for well-qualified buyers, with competitive rates and flexible structures — so you can buy the home you want with a single, clean mortgage instead of stitching two together.
Buyers of a $1.8M home finance $1.44M on a single jumbo loan instead of juggling two mortgages — simpler to manage and often better priced.
DSCR
Debt-Service Coverage Ratio loans qualify on the rental income of the property itself — not your personal income — keeping your finances separate and your portfolio growing. No tax returns, no W-2s; the property's cash flow tells the story.
An investor refinances a rental based on its rent roll — no personal income docs required — and redeploys the equity into their next property.
HELOC & Equity
Put the equity you've built to work — for renovations, debt consolidation, or your next move — while keeping your existing low first-mortgage rate completely untouched. Draw what you need, when you need it, and only pay interest on what you use.
A homeowner opens a HELOC to remodel the kitchen and only pays interest on what they actually draw — keeping their 3% first mortgage exactly where it is.