Every borrower's file gets priced across our full panel. Below is what each program is actually good at — and who it isn't for. Ask us anything; that's the job.
The workhorse of American home lending. If your credit score is 620 or better and you have at least 3% down, a conventional loan usually offers the best combination of rate and long-term cost — especially once you can remove mortgage insurance at 20% equity.
Backed by the Federal Housing Administration, FHA loans exist to make homeownership reachable earlier. Credit guidelines are more forgiving, and the down payment requirement is one of the lowest available.
If you're an eligible veteran, active-duty service member, or surviving spouse, the VA loan is very often the strongest program on the board. We handle the Certificate of Eligibility for you.
For homes priced beyond the conforming loan limit, jumbo financing keeps your options open without forcing an enormous down payment. We work with lenders who underwrite complex income — business owners and equity compensation included.
A refinance only makes sense if the math works — so we show you the math. Every quote comes with a break-even analysis: exactly how many months until the savings outweigh the costs.
Not a single product, but a guided path. We pair first-time buyers with down payment assistance programs, homebuyer credits, and the loan type that fits — then explain every step before it happens.
Apply once and we'll price your file across every program above — then show you the comparison in one clear document.