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Loan Program Guides
General education about how common mortgage pathways work. Eligibility factors listed here are common considerations, not universal or guaranteed requirements.
Conventional Mortgages
Loans that are not insured or guaranteed by a government housing program, offered through a wide range of lenders.
Read the guideFHA Loans
Mortgages insured by the Federal Housing Administration and offered by approved lenders.
Read the guideVA Loans
Home loans guaranteed by the U.S. Department of Veterans Affairs for eligible service members, veterans, and certain surviving spouses.
Read the guideUSDA Loans
Loans supported by the U.S. Department of Agriculture for eligible properties in designated rural and some suburban areas.
Read the guideJumbo Mortgages
Financing for loan amounts above the conforming limits for a given county.
Read the guideFixed-Rate Mortgages
The interest rate stays the same for the full loan term.
Read the guideAdjustable-Rate Mortgages
The rate is fixed for an initial period, then adjusts on a defined schedule.
Read the guideRefinancing
Replacing an existing mortgage with a new one.
Read the guideCash-Out Refinancing
A refinance for more than the current balance, converting some equity to cash.
Read the guideRate-and-Term Refinancing
A refinance that changes the rate, term, or both without taking significant cash out.
Read the guideInvestment-Property Financing
Financing for properties that will not be occupied by the borrower.
Read the guideSelf-Employed Borrower Considerations
How income documentation commonly works for business owners and contractors.
Read the guideNew-Construction Financing
Financing for homes being built, including builder and construction-to-permanent options.
Read the guideFirst-Time Buyer Programs
State, local, and lender programs that support buyers purchasing their first home.
Read the guide
Program details change over time and vary by lender. These guides are educational and are not loan offers, approvals, or statements of eligibility.