Types of Mortgages

We offer conventional, FHA, VA, USDA, jumbo, and non-QM residential loans. Each program fits a different borrower, from a first-time buyer with 3% down to an investor financing a rental on its cash flow.

The amount you can qualify for depends on the type of mortgage, your income, credit score, debt-to-income ratio, and down payment. Our loan officers can evaluate your profile across multiple types of house mortgages to determine how much loan you can take and which program offers the best terms.

First-time buyers have access to various mortgage categories including FHA loans (3.5% down), conventional loans (3% down with special programs), VA loans (0% down for eligible veterans), and USDA loans (0% down in eligible areas). Each offers unique advantages depending on your situation.

Requirements vary significantly across types of residential loans. FHA accepts credit scores as low as 580, conventional loans typically require 620+, while jumbo loans often need 700+. Down payments range from 0% (VA/USDA) to 20%+ for some jumbo loans. Our experts help you navigate these different mortgage loans to find your best fit.

Every loan category has a refinance path. Conventional refinances usually price best for borrowers with strong credit, while the FHA Streamline and VA IRRRL skip most of the documentation for borrowers already in a government loan. We compare the options against your current loan before recommending one.