FHA Loan

Best for first-time homebuyers

FHA loans are a great choice if you're just starting out or need a little flexibility.

Benefits

  • Qualify with lower credit scores

  • Down payments as low as 3.5%

  • Flexible income requirements

  • Competitive interest rates

  • Roll refinance closing costs into the loan

  • Easy streamline refinance options

  • Government-backed for added security

Eligibility requirements

  • Minimum credit score of 580 for 3.5% down; 500-579 for 10% down

  • Steady income and employment history for two years

  • Debt-to-income ratio is 45.99% / 56.99%

  • Must be primary residence

  • Valid Social Security number and proof of lawful U.S. residency

  • Property must meet FHA standards

  • Must make mortgage insurance payments

Other loans

  • Home Advantage 3

    Best for first-time homebuyers and repeat homebuyers.

    • Down payment as low as 3%

    • No mortgage insurance ever

    • Below market interest rates

  • Profit And Loss Only Loan

    For business owners who prefer to use profit and loss statements instead of tax returns.

    • Business-focused

    • Simplified documentation

    • Faster qualification

  • Investor Loan

    Best for real estate investors seeking financing for rental properties

    • Flexible qualification requirements

    • Up to 80% of the property value

    • Primary residence not required

  • Jumbo Loan

    For high-value properties needing larger loans that exceed conforming limits.

    • Higher loan limits

    • Competitive rates

    • Flexible repayment options

  • Conventional Loan

    A solid option for most homebuyers who have a good credit score and a stable down payment.

    • Flexible terms

    • Low interest rates

    • No surprises