A popular option for borrowers with established credit who want competitive financing and flexible property options.

Minimum Qualifications

• Credit scores may start around 620

• As little as 3% down for eligible borrowers

• Verifiable income and employment

• Primary residence, second home, and investment options available

Maximum Financing

• Up to 97% LTV on eligible transactions

• Conforming loan limits apply

Great For: Buyers with good credit looking for competitive conventional financing.t goes here

Minimum Qualifications

• As little as 3.5% down with qualifying credit

• Credit scores as low as 580 may qualify for maximum FHA financing

• Scores between 500–579 may be eligible with a larger down payment

• Primary residences only

Maximum Financing

• Up to 96.5% LTV

• FHA county loan limits apply

Great For: First-time buyers, borrowers with limited down payment funds, or borrowers needing more flexible credit guidelines.

Eligible veterans, active-duty service members, and certain surviving spouses may qualify for one of the most powerful mortgage programs available.

Minimum Qualifications

• Must meet VA eligibility requirements

• $0 down payment may be available

• No monthly private mortgage insurance

• Credit requirements vary by lender

Maximum Financing

• Up to 100% financing may be available

• VA guidelines and lender requirements apply

Great For: Eligible veterans and active-duty military borrowers.

USDA financing can provide 100% financing for eligible borrowers purchasing homes in qualifying areas.

Minimum Qualifications

• Property must be located in an eligible area

• Household income limitations apply

• Credit requirements vary

• Must be used as a primary residence

Maximum Financing

• Up to 100% financing for eligible borrowers

Great For: Buyers looking for little-to-no-down-payment financing in eligible suburban and rural communities.

Purchasing a higher-priced home?

Jumbo financing is available for loan amounts exceeding conventional conforming loan limits.

Typical Qualifications

• Stronger credit profiles generally receive the best terms

• Reserve requirements may apply

• Multiple income documentation options may be available

• Loan amounts can reach into the millions depending on the lender and borrower profile

Great For: Luxury homes and higher loan amounts.

Own a business but your tax returns don't tell the whole story?

Bank statement programs can allow qualifying borrowers to use deposits shown on personal or business bank statements to establish qualifying income.

Typical Qualifications

• Programs may start around 600–660 credit

• Typically 12 or 24 months of bank statements

• Self-employed borrowers

• Down payment requirements vary

Maximum Financing

• Financing may reach approximately 90% LTV for highly qualified borrowers, depending on the program

Great For: Business owners, entrepreneurs, independent contractors, and other self-employed borrowers.

Qualify using eligible 1099 income instead of traditional W-2 income documentation.

Typical Qualifications

• Generally designed for established 1099 earners

• Credit requirements vary by lender

• Income history requirements apply

Great For: Independent contractors, commission-based professionals, and other 1099 borrowers.

Certain programs may allow qualifying self-employed borrowers to document income using a Profit & Loss statement rather than traditional tax-return calculations.

Typical Qualifications

• Self-employment history required

• P&L documentation requirements vary

• Credit and down payment requirements vary by lender

Great For: Established business owners whose tax returns may not accurately reflect their current cash flow.

Real estate investors may be able to qualify based primarily on the property's rental income rather than their personal employment income.

Typical Qualifications

• Programs commonly start around 620–660 credit

• No traditional employment income may be required

• Property rental income is used to determine qualification

• LLC vesting may be available

• Short-term rental income may be considered by certain lenders

Maximum Financing

• Up to approximately 80% LTV is available through many programs

• Lower DSCR and No-Ratio programs may also be available

Great For: Real estate investors building or expanding rental portfolios.