Six programs. One fast lane.

The go-to loan for buyers with solid credit. Competitive rates, flexible terms, and the option to drop mortgage insurance once you hit 20% equity.

• ✓Down payment: as little as 3%
• ✓Credit guidance: 620+ typically qualifies
• ✓Best for: strong-credit buyers and move-up purchases
• ✓PMI cancels automatically at 22% equity

Backed by the Federal Housing Administration, FHA loans open the door for buyers with thinner credit files or smaller savings. Ready now beats perfect later.

• ✓Down payment: 3.5% minimum
• ✓Credit guidance: 580+ typically qualifies
• ✓Best for: rebuilding credit or limited savings
• ✓Gift funds allowed for the full down payment

Eligible veterans, active-duty service members, and surviving spouses get the strongest loan in the market. Our VA team knows the program inside out.

• ✓Down payment: $0 required
• ✓Credit guidance: 580+ typically qualifies
• ✓Best for: eligible military members and spouses
• ✓No monthly mortgage insurance, ever

For loan amounts above conforming limits, jumbo financing keeps the same fast, digital process — with pricing that competes with any private bank.

• ✓Down payment: typically 10–20%
• ✓Credit guidance: 700+ recommended
• ✓Best for: high-value properties above conforming limits
• ✓Loan amounts to $3M+ with fixed or ARM options

Rate-and-term or cash-out — we show you the break-even math upfront so you know exactly when a refi pays for itself. If it doesn't make sense, we'll tell you.

• ✓Options: rate-and-term, cash-out, term shortening
• ✓Credit guidance: 620+ typically qualifies
• ✓Best for: cutting your rate, dropping PMI, or tapping equity
• ✓Transparent break-even analysis before you commit

Buying your first home shouldn't require a translator. We pair low-down-payment options with plain-English guidance and down-payment assistance programs where available.

• ✓Down payment: from 3%, with assistance programs
• ✓Credit guidance: 580–620+ depending on program
• ✓Best for: first-timers who want a guide, not a gatekeeper
• ✓Free pre-approval letter to shop with confidence