Which Loan is Right for You?
As your loan officer, I have access to a wide range of loan products from dozens of wholesale lenders.
Conventional Loan
Flexible loan for borrowers with good credit. Available with as little as 3% down. Ideal for primary residences, second homes, and investment properties.
- ✓ 3–20%+ down payment
- ✓ 620+ credit score
- ✓ Competitive rates
FHA Loan
Government-backed loan with lower down payment and more flexible credit requirements. Great for first-time homebuyers or those with less-than-perfect credit.
- ✓ 3.5% down (580+ score)
- ✓ 500–579 score with 10% down
- ✓ Gift funds allowed
VA Loan
Exclusive benefit for veterans, active-duty service members, and eligible surviving spouses. No down payment required and no private mortgage insurance.
- ✓ 0% down payment
- ✓ No PMI required
- ✓ Competitive rates
USDA Loan
Zero down payment loan for eligible rural and suburban homebuyers. Income limits and geographic restrictions apply, but can be an excellent option where available.
- ✓ 0% down payment
- ✓ Low mortgage insurance
- ✓ Rural/suburban areas
Jumbo Loan
For loan amounts above conforming loan limits (over $766,550 in most areas). Requires stronger credit and larger down payment but provides access to higher-priced properties.
- ✓ Loan amounts $766K+
- ✓ 700+ credit score
- ✓ 10–20% down
Refinance
Already own a home? A refinance can lower your rate, reduce your monthly payment, change your loan term, or access your home equity through a cash-out refinance.
- ✓ Rate & term refi
- ✓ Cash-out refi
- ✓ Streamline options (FHA/VA)