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Follow on InstagramFrom traditional loans to programs for the self-employed and investors, we help you find options that fit. Availability and eligibility depend on your circumstances and lender guidelines.
Widely used loan types that fit many buyers and homeowners. Availability and eligibility depend on your circumstances and lender guidelines.
Conforming loans not backed by a government agency, offered in a range of terms.
May help: Buyers and homeowners with qualifying credit and income profiles.
Ask about ConventionalLoans insured by the Federal Housing Administration, often used by first-time buyers.
May help: Borrowers exploring lower down-payment pathways.
Ask about FHALoans guaranteed by the U.S. Department of Veterans Affairs for eligible service members and veterans.
May help: Eligible active-duty, veterans, and qualifying military families.
Ask about VALoans backed by the U.S. Department of Agriculture for eligible rural and suburban areas.
May help: Buyers purchasing in eligible USDA-designated areas.
Ask about USDAPrograms designed to help with upfront costs, including options aimed at first-time homebuyers. Program details vary and change over time.
A range of assistance programs that may help eligible buyers with upfront costs.
May help: First-time and qualifying buyers who need help with money up front.
Ask about Down Payment AssistanceAssistance and incentive programs geared toward people buying their first home.
May help: Buyers navigating the path to a first home purchase.
Ask about First-Time Homebuyer ProgramsNon-traditional programs for borrowers whose income or situation doesn't fit a standard profile. Documentation and eligibility requirements vary by program and lender.
Programs that consider bank-statement income in place of traditional documentation.
May help: Self-employed borrowers and business owners.
Ask about Bank StatementPrograms that may use a profit-and-loss statement as part of income review.
May help: Self-employed borrowers with established businesses.
Ask about Profit & LossDebt-Service Coverage Ratio programs oriented toward investment properties.
May help: Real estate investors evaluating rental properties.
Ask about DSCRPrograms designed for borrowers who are not U.S. citizens or permanent residents.
May help: Foreign nationals purchasing property in the U.S.
Ask about Foreign NationalFor homeowners age 62 and older — access part of your home's equity while you keep living in and owning your home.
Loan options may include the programs shown above and others. Program availability, eligibility, and terms depend on individual circumstances and lender guidelines, and are subject to credit approval by the lender underwriter. This page is for general information and is not a commitment to lend. Reverse mortgages are available to homeowners age 62 and older; borrowers must continue paying property taxes, homeowners insurance, maintenance, and other applicable property charges.
A Home Equity Conversion Mortgage — the reverse mortgage program insured by the Federal Housing Administration, for homeowners age 62 and older.
May help: Homeowners age 62+ who want to put their home equity to work while staying in their home.
Ask about Reverse Mortgage (HECM)