Loan Programs

Find a Starting Point for Your Plans

Explore common mortgage paths and the questions to ask before choosing one.

Explore Options

More Than a Program Name

Availability, costs, and qualification depend on your circumstances. These questions can help guide a conversation with Keith.

Conventional

A widely used financing path for a broad range of homeownership goals.

Compare a familiar mortgage path with your budget and ownership plans.

Questions to Ask

  • How do the available loan terms change the payment and total cost?
  • Would mortgage insurance apply to my scenario?
  • What changes if I choose a fixed or adjustable interest rate?
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FHA

Government-insured financing that may fit some buyers' circumstances.

Explore an FHA-insured mortgage alongside the other options available to you.

Questions to Ask

  • How do mortgage insurance and upfront costs affect this comparison?
  • What documentation and property requirements would apply?
  • How does the overall cost compare with a conventional option?
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VA

A financing option for eligible service members, veterans, and surviving spouses.

Discuss VA financing if your military service or surviving-spouse status may qualify.

Questions to Ask

  • How do I confirm eligibility and obtain a Certificate of Eligibility?
  • Would a funding fee apply in my circumstances?
  • What property, occupancy, and lender requirements should I understand?
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Down Payment Assistance

Programs that may help qualified buyers address upfront homebuying costs.

Ask about assistance that may be available for your location and circumstances.

Questions to Ask

  • Is the assistance a grant or a loan, and would repayment be required?
  • Are there income, property, education, or location requirements?
  • What happens if I sell or refinance the home?
Discuss This Option

Bank Statement

An alternative documentation path that may suit some self-employed borrowers.

Discuss an alternative documentation approach for a self-employed borrower.

Questions to Ask

  • Which statements and other business records would be needed?
  • How will the lender review deposits and business expenses?
  • How do the terms and costs compare with other documentation options?
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Investment and DSCR

Financing paths designed for qualifying real-estate investment goals.

Start with the property, your rental plans, and the financing questions they raise.

Questions to Ask

  • How is debt-service coverage calculated for this property?
  • What rental-income documentation and reserves would be needed?
  • Are there prepayment penalties or restrictions I should consider?
Discuss This Option

How to Compare Your Options

The right questions go beyond the name of a loan program. A useful comparison can include your expected time in the home, available funds, monthly budget, documentation, property plans, and tolerance for changing costs.

Availability and Qualification

Not every product is available in every location or for every scenario. Rates, fees, terms, and approval depend on current market conditions, underwriting, property details, and borrower qualifications.

Important:

No eligibility rule, rate, payment amount, or program benefit on this website should be treated as a loan estimate or approval.

Let's Talk About Your Next Move.

Start with a conversation about your goals and questions.

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