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Conventional loans follow the established guidelines of Fannie Mae and Freddie Mac and remain one of the most popular home financing options. With down payments starting at just 3%, they offer a wide range of fixed and adjustable-rate terms to suit your needs.

These loans can be used for primary residences, second homes, and investment properties. Private mortgage insurance (PMI) may apply if the down payment is under 20%, but it can often be removed once you've built enough equity.

Jumbo loans are designed for homebuyers looking to finance properties that exceed the standard loan limits. Ideal for high-cost areas or luxury homes, these loans offer flexible financing solutions tailored to larger purchases.

Because of the loan size, lenders may look for stronger credit profiles, lower debt-to-income ratios, and additional documentation. Depending on your qualifications, down payment requirements typically range from 10% to 20%.

FHA loans, insured by the Federal Housing Administration, help make homeownership more attainable with flexible qualification standards and down payments as low as 3.5%.

They're a great option for buyers with limited savings or lower credit scores, offering competitive interest rates and more accessible approval criteria.

VA loans are backed by the U.S. Department of Veterans Affairs and provide exclusive home financing benefits for eligible veterans, active-duty service members, and certain surviving spouses.

With no down payment, no mortgage insurance, and favorable loan terms, VA loans are a powerful option for those who have served.

Non-traditional loans are designed for borrowers with unique financial situations that may not fit conventional lending criteria. These programs offer alternative qualification methods and flexible underwriting guidelines.

Perfect for self-employed individuals, business owners, or those with non-traditional income sources, these loans may use bank statements, asset depletion, or other alternative documentation methods to verify income and ability to repay.

Down payment assistance and grant programs help make homeownership more accessible by providing financial support for down payments and closing costs.

These programs, often offered through state and local housing agencies, can include grants, forgivable loans, or second mortgages with favorable terms. They're particularly valuable for first-time homebuyers and those with limited savings for upfront costs.