Refinancing and Purchase Loan Options

🏠

Conventional

Strong all-around option with flexible terms.

Primary, second homes, and investment options available (based on qualification)
Low down payment options may be available
PMI may be removable with required equity

Purchase Refi Flexible

🧾

FHA

Popular for buyers needing extra flexibility.

Often more forgiving credit guidelines (case-by-case)
Low down payment options may be available
Includes mortgage insurance (we’ll explain it clearly)

First-time buyers Low down Clear guidance

🎖️

VA

For eligible Veterans, active-duty, and some spouses.

May allow 0% down for qualified borrowers
No monthly mortgage insurance in many cases
Great benefits with clear eligibility rules

0% down possible Eligible borrowers Strong value

🌾

USDA (Rural Development)

Great if the property area + income eligibility fit.

May allow 0% down for qualified borrowers
Property must be in an eligible area
Income limits may apply

0% down possible Area-based Eligibility

🌊

2nd Home Loans

Finance a vacation or seasonal home with smart options.

Typically for a home you’ll occupy part of the year
May have different down payment and pricing than primary
We’ll confirm guidelines based on property type + usage

Second home Seasonal Strategy

📈

Investment Home Loans

Buy or refinance an investment property with the right structure.

Common for long-term rentals and some other strategies
Typically requires higher down payment + reserves
We’ll help align terms to cash flow and long-term goals

Rental Purchase/Refi Portfolio

How we’ll narrow it down

Clear guidance, fast pre-approvals, and loan options designed around your goals.

Start with your planPurchase vs. refinance, timeline, and monthly comfort range.

Match program to goalsDown payment, property type, and long-term strategy.

Compare real numbersPayment, cash-to-close, and a simple side-by-side explanation.

Close with confidenceClear next steps and responsive support through closing.

Quick FAQs

Do I need to pick a loan type before I apply?

Nope. A pre-approval helps confirm options, then we compare programs side-by-side based on your goals.

Can you help with investment and second home scenarios?

Yes — we’ll confirm what’s available and what guidelines apply based on occupancy, property type, and your goals.

How fast can I get a pre-approval?

It depends on how quickly we can review your info and documentation. Once we have what we need, we’ll move fast and keep you updated.

Find the right loan for your goals

Loan programs we help with