The right loan for your plan

Conventional

Buyers with solid credit who want the most flexibility.

• As little as 3% down for qualifying first-time buyers
• Mortgage insurance can come off once you build enough equity
• Works for primary homes, second homes and investment properties

FHA

Buyers who want a lower down payment and more flexible credit guidelines.

• 3.5% down with qualifying credit
• More room for past credit bumps and higher debt-to-income
• Down payment can come from a gift

VA

Eligible veterans, active-duty service members and some surviving spouses.

• $0 down payment
• No monthly mortgage insurance
• Competitive rates and flexible credit guidelines

USDA

Buyers in eligible rural and suburban areas.

• $0 down payment
• Household income limits apply
• Property must be in a USDA-eligible area

Jumbo

Higher-priced homes above conforming loan limits.

• Financing for luxury, mountain and high-cost properties
• Fixed and adjustable options
• Guidance through the extra documentation jumbo loans require

Construction & Renovation

Building new, or buying a home that needs work.

• Roll improvement costs into one loan
• Options for new construction and major remodels
• Plan the budget before you buy