Choose a starting point
There is no universal “best” mortgage. The right structure depends on the property, occupancy, loan amount, documentation, credit profile, cash available and long-term plan.
Conventional Loans
Conventional mortgages are not insured or guaranteed by a federal housing agency. They can be used for many purchase and refinance situations, with terms determined by the lender and the loan program.
Read the guide →02FHA Loans
FHA loans are mortgages made by approved lenders and insured by the Federal Housing Administration. They are designed to expand access to sustainable home financing, especially for owner-occupied properties.
Read the guide →03VA Loans
VA-backed loans can help eligible Veterans, service members and certain surviving spouses buy, build, improve or refinance a home. The Department of Veterans Affairs guarantees part of the loan made by an approved lender.
Read the guide →04Jumbo Loans
A jumbo mortgage generally finances an amount above the conforming loan limit that applies to the property’s county and year. Because it cannot be delivered as a standard conforming loan, lender guidelines can be more specialised.
Read the guide →05USDA Loans
USDA Rural Development supports homeownership through programs for eligible rural areas. The Single Family Housing Guaranteed Loan Program works through approved lenders for qualified low- and moderate-income households.
Read the guide →06Refinance
Refinancing replaces an existing mortgage with a new loan. A useful comparison considers the new payment, interest rate, term, closing costs, cash received or paid, and how long you expect to keep the loan.
Read the guide →07First-Time Buyer
“First-time buyer” describes the borrower’s situation, not one specific mortgage. A strong plan compares available conventional and government-backed options, local assistance, monthly affordability and cash needs.
Read the guide →08Investment & Commercial
Investment and commercial real estate financing can be structured differently from owner-occupied consumer mortgages. The property’s income, borrower strength, entity structure and business purpose may all influence underwriting.
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