Compare mortgage options, understand buying costs and assistance, and plan your first home purchase.
Home Loan Programs
Find a mortgage that
fits your goals.
Buying a home, refinancing, investing, or using your home equity? Explore your options below. Our brokers can help you compare programs and understand your next steps.
Explore your loan options
Start with your goals. We’ll help you narrow the choices.
Government-Backed Loans
Options supported by federal loan programs.
Government-insured financing with low down payment options. Credit requirements and mortgage insurance apply.
For eligible veterans, service members, and surviving spouses. No-down-payment options may be available.
For eligible homes in USDA-designated areas, with household income limits and no-down-payment options.
For eligible homeowners age 62 and older who want to access part of their home equity.
Taxes, insurance, maintenance, and occupancy requirements still apply.
Rate & Loan Size Options
Compare interest rate structures and loan sizes.
Compare payment predictability, ARM adjustments, costs, and the option that fits your plans.
Financing above the applicable conforming loan limit, with qualifying requirements that vary by lender.
Home Equity
Explore ways to put your home’s equity to work.
Compare a revolving credit line with a lump-sum home equity loan. Both use your home as collateral.
Investors
Financing for rental properties and international buyers.
Explore investment-property financing that evaluates rental cash flow. Property and lender requirements apply.
Options for eligible international buyers purchasing U.S. property. Documentation and terms vary by program.
Flexible Income Loans
When traditional income documentation doesn’t tell the whole story.
Compare conventional and alternative-documentation financing for business owners, freelancers, and independent contractors.
For eligible self-employed borrowers using bank statements to document qualifying income instead of standard tax-return documentation.
Explore alternative income documentation using contractor earnings or a prepared business profit-and-loss statement.
Explore programs that may use eligible financial assets in the qualification process. Ask how your assets are evaluated.
Property cash flow may offer an alternative to traditional personal-income qualification for eligible investment loans.
Program availability, documentation, costs, and qualifying requirements vary by lender and borrower. Not all applicants will qualify.
Not sure which loan fits?
Tell us a little about your plans. An FHL broker can help you compare options and choose your next step.