Traditional loans not backed by the government, typically requiring higher credit scores and down payments.

For rural homebuyers, these loans offer zero down payment options and lower mortgage insurance costs.

Available for veterans and active-duty service members, these loans require no down payment and have favorable terms.

Designed for properties that exceed conforming loan limits, these loans typically require higher credit scores and down payments.

Mortgage products that allow investors to qualify for financing based on the property’s cash flow rather than their personal income.

Short-term, high-interest loans from private lenders, used primarily for quick purchases or flips.

1. Rate-and-Term Refinance: Change the interest rate and/or the loan term (e.g., from 30 years to 15 years).
2. Cash-Out Refinance: Access your home’s equity in cash while taking on a new mortgage for a larger amount.