Buy or refinance many property types with flexible occupancy options. While down payments can start as low as 3%, many buyers put more down on a Conventional loan to achieve better terms.

Buy or refinance with a more flexible credit profile and lower upfront cash requirements. FHA loans are a popular choice for first-time homebuyers and allow down payments as low as 3.5% when the home is used as a primary residence.

Buy or refinance with predictable monthly payments and a stable interest rate for the life of the loan. A fixed-rate mortgage offers long-term stability and consistent payments, making it a popular choice for buyers and homeowners.

Buy or refinance with exclusive benefits for eligible Veterans, service members, and surviving spouses. VA loans offer flexible credit guidelines, no down payment for many buyers, and are designed for primary residences.

Buy a home in eligible rural and suburban areas with little to no down payment for qualified buyers. USDA loans are designed for primary residences and offer an affordable path to homeownership for those looking for more space outside of urban areas.

Access your home’s built-up equity to get cash for major expenses, home improvements, or debt consolidation. A cash-out refinance replaces your current mortgage with a new loan while allowing qualified homeowners to use their home’s value to meet financial goals.

Lower your interest rate, change your loan term, or both by refinancing your existing mortgage. A rate and term refinance helps homeowners improve their loan structure without taking cash out, often to reduce payments or pay off the loan faster.

Use your home’s equity to pay off high-interest debt and simplify finances with one monthly payment. A debt consolidation refinance can help lower interest costs and improve cash flow by rolling multiple balances into a single mortgage.