There's More Than One Way
to Get Home
Every buyer's situation is different — and there's no one-size-fits-all loan. Here's a plain-language look at your options so you can start to figure out what fits.
For First-Time & Primary Home Buyers
These are the most common loan types for buyers purchasing the home they'll live in.
FHA Loan
Flexible credit and down payment requirements. One of the most accessible paths to homeownership for buyers who are just getting started.
Conventional Loan
The most widely used loan type. Works across a range of situations — and mortgage insurance goes away once you reach 20% equity.
VA Loan
A powerful benefit for those who've served. No down payment required and no private mortgage insurance — ever.
USDA Loan
No down payment for eligible rural and suburban areas. More locations qualify than most buyers expect — including many suburbs.
For Investors & Move-Up Buyers
Buying above standard limits or growing a real estate portfolio? These options are built for that.
DSCR Loan
Qualify based on the property's rental income — not your personal W2 or tax returns. Built for investors who are scaling a portfolio.
Jumbo Loan
For home prices above the standard conforming loan limit. Competitive rates and more flexibility than most people expect.
Not Sure Which One Fits?
That's exactly what a Clarity Call is for. We look at your credit, savings, and goals together — and I'll tell you honestly which loan makes the most sense for your situation.
Schedule a Free Clarity Call Not ready to talk yet? Start with the Homebuyer Roadmap →