Loan Options That Fit You
As a mortgage broker, we shop the market for the best program — fixed, government, jumbo, renovation, and refinance — for your unique situation.
Rates and eligibility depend on qualification and market conditions. Not a commitment to lend.
Multiple lenders, one team
We compare wholesale programs and investor guidelines — not a single bank's product list.
Program fit over hype
FHA vs conventional, ARM vs fixed, USDA eligibility — we explain total cost and tradeoffs.
Tools + human review
Use our mortgage calculator, then validate numbers with a loan officer who knows your file.
All loan programs
Each program has a dedicated guide — best for, tradeoffs, FAQs, and next steps.
30-Year Fixed Rate Mortgage
Fixed rateThe most popular mortgage — predictable P&I for the full 30-year term.
- Fixed monthly P&I
- Lower payment vs 15-year
- Long-term stability
15-Year Fixed Rate Mortgage
Fixed ratePay off faster and often save on total interest with a shorter fixed term.
- Lower total interest
- Faster equity
- Often lower rate
Adjustable Rate Mortgage (ARM)
AdjustableLower introductory rate with caps — strong fit for shorter ownership timelines.
- Lower initial rate
- Rate caps
- 5–7 year plans
FHA Loans
GovernmentGovernment-backed financing with flexible credit and low down payment options.
- As low as 3.5% down
- Flexible credit
- Gift funds allowed
VA Loans
GovernmentExclusive benefits for eligible veterans and service members — often $0 down.
- Zero down (eligible)
- No monthly PMI
- Competitive rates
USDA Loans
GovernmentZero-down potential for eligible buyers in qualifying rural and suburban areas.
- Zero down (eligible)
- Primary residence
- Area-based
Jumbo Loans
High balanceFinancing above conforming limits for higher-priced homes and strong borrower profiles.
- Above conforming limit
- Portfolio options
- Flexible terms
203(k) Renovation Loans
RenovationFinance purchase (or refinance) plus renovation in one FHA-backed mortgage.
- Buy + renovate
- Single closing
- FHA-backed
Cash-Out Refinance
RefinanceAccess home equity through a new first mortgage — when total cost and purpose align.
- Tap equity
- One payment
- Compare vs HELOC
DSCR Loans
InvestmentInvestment property financing qualified on rental income — not personal W-2 income.
- Rental income qualifying
- No personal income docs
- Investor-friendly
Browse by category
Fixed rate
Predictable principal & interest for the life of the loan.
At-a-glance comparison
| Program | Typical down | Best for |
|---|---|---|
| 30-Year Fixed | 3%+ (varies) | Long-term stability |
| 15-Year Fixed | 3%+ (varies) | Faster payoff, less interest |
| ARM | 3%+ (varies) | Shorter ownership timeline |
| FHA | As low as 3.5% | Flexible credit / low down |
| VA | $0 down (eligible) | Eligible veterans & service members |
| USDA | $0 down (eligible) | Eligible rural/suburban areas |
| Jumbo | Often 10–20%+ | High loan amounts |
| 203(k) | FHA down rules | Buy + renovate |
| Cash-Out | Equity-based | Equity access with a plan |
General guide only — exact requirements vary by lender, occupancy, and credit profile.
How we help you close
Pre-Qualification
Share goals and basics — we start with a soft conversation and outline programs that fit (no hard pull to begin).
Full Application & Disclosures
Complete your file, review Loan Estimate options, and lock strategy when you're ready.
Appraisal & Third Parties
Appraisal, title, and insurance coordinate around your property and loan type (203(k) adds renovation steps).
Underwriting & Conditions
We clear income, asset, and property conditions with the lender — typical purchases run about 21–45 days.
Clear to Close & Funding
Final numbers on your Closing Disclosure, sign, and get keys — we stay with you through funding.
Estimate payments before you apply
Mortgage calculatorFAQ
Not Sure Which Loan Is Right?
That's what brokers are for. Tell us your goals — we'll shortlist programs and shop lenders for you.