| Conventional loans | The most common home loan, not backed by a government agency. Good credit and steady income get you the best terms. |
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| FHA loans | Insured by the Federal Housing Administration, FHA loans make it easier to buy with a smaller down payment or less-than-perfect credit. |
| VA loans | For eligible veterans, service members and some surviving spouses. No down payment and no monthly mortgage insurance in most cases. |
| USDA loans | Zero-down financing for homes in eligible rural and suburban areas, backed by the U.S. Department of Agriculture. |
| Jumbo loans | For loan amounts above the conforming limit, common in high-cost areas like coastal California and Colorado resort towns. |
| Refinancing | Lower your rate or payment, shorten your term, switch out of an adjustable rate, or take cash out of your equity. |
| DSCR & investment loans | Qualify for a rental property based on its rent, not your personal income. |
| First-time buyers | Low-down-payment loans, down payment assistance and a clear walk through every step. |
| Renovation (203k) loans | Buy or refinance a home and finance the repairs in one loan. |
Not sure which fits? A loan officer can compare two or three options with real numbers for your situation.