Loan programs
From first homes to investment portfolios, explore every program we offer. Choose a box to read the full guide.

Buy a home
Popular purchase programs for primary residences, second homes and first-time buyers.
Conventional Loan
I want a flexible loan with competitive rates
Not government-insured. Low down payment options and PMI that can be removed.
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FHA Loan
I want a low down payment and flexible credit
Government-insured with 3.5% down and more forgiving credit guidelines.
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VA Loan
I served and want to use my benefits
Zero down and no monthly mortgage insurance for eligible veterans and service members.
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USDA Loan
I want to buy in a rural or suburban area
Zero down for eligible homes in qualifying rural and suburban areas.
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Jumbo Loan
I want to finance a higher-priced home
Financing above conforming limits for luxury and high-cost markets.
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First-Time Home Buyer
I want help buying my first home
Guidance, low down payment programs and a loan officer who fills out the application with you.
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Fixed, adjustable and payment options
Choose how your rate and payment behave over the life of the loan.
30-Year Fixed Mortgage
I want the lowest predictable monthly payment
The same principal and interest payment for 30 years.
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15-Year Fixed Mortgage
I want to pay off my home faster
Own your home sooner and pay far less interest.
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Adjustable-Rate Mortgage (ARM)
I want a lower starting rate
A lower fixed rate for the first 5, 7 or 10 years, then adjusts.
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Interest-Only Mortgage
I want lower payments in the early years
Pay only interest for an initial period, then principal and interest.
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Mortgage Buydown
I want a lower rate at the start of my loan
Prepaid interest that lowers your rate temporarily or for the life of the loan.
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Refinance and home equity
Lower your payment, change your term or put your equity to work.
Rate & Term Refinance
I want a lower rate or a different term
Replace your current mortgage to lower your rate, payment or term.
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Cash-Out Refinance
I want to turn home equity into cash
Refinance for more than you owe and take the difference in cash.
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HELOC
I want a flexible line of credit
A revolving line of credit secured by your home's equity.
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Home Equity Loan
I want a lump sum with a fixed payment
Borrow a fixed amount against your equity with a fixed rate.
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Second Mortgage
I want to borrow without refinancing
A loan behind your first mortgage: lump sum or line of credit.
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Reverse Mortgage
I am 62+ and want to access my equity
Turn home equity into cash with no required monthly mortgage payment.
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Investors and flexible qualifying
Programs for self-employed borrowers, real estate investors and buyers from abroad.
Non-QM Loan
I am self-employed or have non-traditional income
Qualify with bank statements, 1099s, P&L or assets instead of tax returns.
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DSCR Investor Loan
I want to qualify with rental income
Qualify based on the property's rent, not your personal income.
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Foreign National Loan
I live outside the U.S. and want to buy here
U.S. financing for non-residents with no Social Security number or U.S. credit.
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Talk to a loan officer
Not sure which loan is right?
Tell us your goals and a loan officer will walk you through your best options, side by side.
- No cost and no obligation
- We can fill out the application for you
- Evening and weekend calls available
Prefer to call? (800) 592-8882