Conventional
A common choice for purchases and refinances, with eligibility based on the full financial picture.
Explore conventional →LOAN OPTIONS
Start with the goal, then choose a path.
These guides explain where each option may fit, what to compare and what to bring to the conversation.
Buying a home.
Compare property, occupancy, cash to close and the full monthly payment.
FHA
An insured loan option with its own mortgage insurance and property requirements.
Explore fha →VA
For eligible veterans, service members and others, subject to entitlement and lender guidelines.
Explore va →USDA
For eligible households and properties in qualifying areas.
Explore usda →Jumbo
For larger loan amounts with lender-specific documentation and reserve standards.
Explore jumbo →Manufactured home
Eligibility depends on the home, land, title, foundation and program.
Explore manufactured home →Second home
For eligible personal-use properties with specific occupancy rules.
Explore second home →Down payment assistance
Explore possible assistance programs where available, including their eligibility and repayment rules.
Explore down payment assistance →Refinance or use equity.
Look at your current loan before changing it.
Refinance
Review your current loan, equity, goals and closing costs.
Explore refinance →HELOC / home equity
Compare ways to use equity while considering the cost of your existing mortgage.
Explore heloc / home equity →Specialized scenarios.
Lender and property guidelines vary; bring the facts and ask what is available.
Investment property
Financing for rental purchases and refinances.
Explore investment property →DSCR
Some investor programs consider rental income relative to a property’s payment.
Explore dscr →Bank statement
An alternative documentation path for some self-employed borrowers.
Explore bank statement →TALK THROUGH YOUR SCENARIO
Start with a conversation.
Tell John what you want to accomplish. He’ll help you sort through the options and next steps.