Loan programs

How each program works—not what it costs today. Pick a page, then talk it through.

A conventional mortgage is a loan that is not insured or guaranteed by a federal agency.

An FHA loan is a mortgage insured by the Federal Housing Administration, built for borrowers who need flexible credit or down-payment guidelines.

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, service members, and surviving spouses.

Down payment assistance programs help eligible buyers cover part of the cash needed to purchase a home.

A jumbo mortgage finances a home above the conforming loan limit for the county.

Renovation mortgages finance the purchase or refinance of a home plus eligible improvements in one loan.

Bank-statement loans document self-employed income using deposits rather than traditional tax-return overlays alone.

A rate-and-term refinance replaces your current mortgage primarily to change the rate or the loan term—not to take large cash out.

A cash-out refinance replaces your mortgage and lets you convert part of your home equity into cash at closing.