HOME LOANS
Different lives.
Different ways home.
Buying, refinancing, or figuring out where to begin? Explore the possibilities with people who know the details.
Buying a home.
Some VA and USDA programs offer as little as 0% down for eligible buyers. Property, income, service-history, and other program requirements vary. Closing costs and other upfront expenses may still be due.
Purchase loans
A home purchase loan should fit your life as well as your budget. We help you understand the choices, prepare for the details, and move toward closing with confidence.
Explore purchase loansFirst-Time Homebuyer
You do not need to know everything about mortgages to begin. Start with your budget, learn the key decisions, and build a team that answers your questions.
Read the first-time buyer guideConventional loans
Conventional mortgages offer a broad range of financing choices. We’ll help you compare the down payment, repayment term, and mortgage insurance alongside the rate.
Explore conventional loansFHA loans
An FHA loan may offer a path to homeownership for eligible buyers who need a lower down payment or a different approach to credit qualification.
Explore FHA loansVA loans
VA-backed home loans offer distinct benefits for eligible veterans, service members, and certain surviving spouses. We help you understand the benefit and the financing behind it.
Explore VA benefitsUSDA loans
Buying in an eligible rural area? Learn how USDA financing works, then talk with an expert about your property, budget, and current loan options.
Explore USDA financingJumbo loans
When the financing you need exceeds the applicable conforming loan limit, a jumbo mortgage may be worth exploring. The details deserve an experienced eye.
Explore jumbo financingRevisit your mortgage.
Rate-and-term refinance
Refinancing replaces your existing mortgage with a new loan. The right question is what that change could do for you—and what it will cost to get there.
Explore refinancingCash-out refinance
A cash-out refinance replaces your mortgage with a larger loan and may make part of your home equity available as cash. Start with the purpose, then examine the tradeoffs.
Explore cash-out refinancingA different income.
A personal review.
Self-employed borrowers may qualify through standard programs. Ask about current bank statement financing availability, documentation, and costs for your situation.
Compare the loan options
An educational starting point, not an eligibility decision. A loan officer can help compare the options available for your application.
| Option | Worth exploring when | Compare carefully |
|---|---|---|
| Conventional | You want to compare standard purchase or refinance choices. | Down payment, credit review, and any PMI. |
| FHA | You want to explore a smaller down payment or different credit guidelines. | Lender requirements and upfront and annual mortgage insurance. |
| VA | Your service history may qualify you for a VA-backed mortgage. | Entitlement, property requirements, and any funding fee. |
| USDA | You are buying a primary residence in an eligible rural area. | Household income, address eligibility, program fees, and lender requirements. |
| Jumbo | The amount you need exceeds the current local conforming limit. | Down payment, reserves, documentation, and available terms. |
| Self-employed | Your income needs a closer look or different documentation. | Standard programs first; availability and costs of alternatives. |
| Rate-and-term refinance | You want to compare a different rate or repayment structure. | Closing costs, the new term, and the break-even point. |
| Cash-out refinance | You want to access equity by replacing your mortgage. | Cost of the whole new loan, retained equity, and repayment risks. |