Tailored loans and down payment assistance programs designed for first-time homebuyers who may not have a large down payment or perfect credit. These programs may include special loan rates, lower down payment requirements, or assistance with closing costs.

A government-backed loan that offers lower down payment requirements (as low as 3.5%) and is typically available to borrowers with less-than-perfect credit. It’s ideal for first-time buyers or those who have a limited credit history.

A loan program available to current and former U.S. military service members and their families. VA loans offer competitive interest rates, require no down payment, and have no private mortgage insurance (PMI) requirements.

A type of loan for borrowers who need to finance a property that exceeds the conforming loan limits set by government agencies (such as Fannie Mae and Freddie Mac). Jumbo loans often come with higher interest rates and stricter eligibility requirements due to their size.

A traditional mortgage with an interest rate that remains the same for the entire term of the loan (usually 15, 20, or 30 years). Fixed-rate mortgages provide predictable monthly payments and are ideal for borrowers who want stability.

A loan available to homeowners age 62 or older that allows them to convert part of their home equity into cash, typically in the form of monthly payments, a lump sum, or a line of credit. The loan is repaid when the homeowner moves out of the home or passes away.

Allows homeowners to replace their current mortgage with a new one, usually to lower their interest rate, shorten the loan term, or cash out equity in their home. Refinance options include rate-and-term refinancing, cash-out refinancing, and streamline refinancing for government-backed loans.