Loan programs
Conventional loans
Conventional financing is not insured or guaranteed by FHA, VA, or USDA. Conforming conventional loans meet applicable Fannie Mae or Freddie Mac requirements.
Explore Conventional loansLoan program education
Mortgage options, explained.
Learn the basics, then compare the programs available for your income, property, and goals.
Loan programs
High-balance conventional loans.
A loan above the baseline conforming limit may still be conforming in an eligible high-cost county, within that county’s applicable limit.
Explore High-balance conventional loans in higher-cost markets.Loan programs
Jumbo loans.
Larger home loans require a careful comparison of lender guidelines, documentation, cash requirements, and loan structure.
Explore Jumbo loans for financing above conforming limits.Loan programs
FHA loans
FHA financing is an option for eligible homebuyers—including buyers who have owned a home before.
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VA financing
Eligible veterans, service members, and certain surviving spouses may have access to a VA-backed purchase loan with no down payment.
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USDA financing
The USDA Guaranteed Loan Program can provide no-down-payment financing for eligible households buying an eligible primary residence in a qualifying rural area.
Explore USDA financingAlternative documentation
Bank statement loans.
A potential qualification path when traditional tax-return documentation does not adequately support the proposed loan.
Explore Bank statement loans for self-employed borrowers.Alternative documentation
1099 income loans
Independent contractors and other eligible 1099 earners may have a documentation option beyond the traditional tax-return review.
Explore Mortgage options for 1099 earners.Investment property financing
DSCR loans
Debt service coverage ratio financing focuses on the investment property’s rental cash flow, using a different income-review approach from a traditional owner-occupied mortgage.
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Loan approval is not guaranteed. Credit, income or applicable alternative qualification, assets, property, and lender requirements must be satisfied. Rates, fees, terms, and availability vary. Program minimums are not an offer or commitment to lend.