Find the right loan
for your situation
Every borrower is unique. We offer every major loan program so you get the one that saves you the most—not just the one we prefer to sell.
Conventional Loan
Min. Down
3%
Min. Credit
620
Loan Limits
Up to $766,550
PMI/MIP
If < 20% down
Best for: Buyers with good credit and stable income
FHA Loan
Min. Down
3.5%
Min. Credit
580
Loan Limits
Up to $498,257
PMI/MIP
Required (MIP)
Best for: First-time buyers & lower credit scores
VA Loan
Min. Down
0%
Min. Credit
580
Loan Limits
No limit (with full entitlement)
PMI/MIP
None required
Best for: Active military, veterans, surviving spouses
USDA Loan
Min. Down
0%
Min. Credit
640
Loan Limits
Income limits apply
PMI/MIP
Annual guarantee fee
Best for: Rural and suburban homebuyers within income limits
Jumbo Loan
Min. Down
10–20%
Min. Credit
Varies on Equity / Down Payment
Loan Limits
Above $766,550
PMI/MIP
Varies by lender
Best for: High-value property purchases exceeding conforming limits
Adjustable Rate (ARM)
Min. Down
5%
Min. Credit
620
Loan Limits
Up to $766,550
PMI/MIP
If < 20% down
Best for: Buyers planning to sell or refinance within 5–7 years
At a Glance
Compare all loan types
| Loan Type | Min. Down Payment | Min. Credit Score | Loan Limits | Mortgage Insurance |
|---|---|---|---|---|
Conventional Loan | 3% | 620 | Up to $766,550 | If < 20% down |
FHA Loan | 3.5% | 580 | Up to $498,257 | Required (MIP) |
VA Loan | 0% | 580 | No limit (with full entitlement) | None required |
USDA Loan | 0% | 640 | Income limits apply | Annual guarantee fee |
Jumbo Loan | 10–20% | Varies on Equity / Down Payment | Above $766,550 | Varies by lender |
Adjustable Rate (ARM) | 5% | 620 | Up to $766,550 | If < 20% down |
*All programs subject to eligibility. Contact us for personalized program details.
Not sure which loan is right?
Talk to our team. We'll match you with the best program for your unique situation.