Find financing options

Non-Occupant Co-Borrower Mortgage Options

Worth exploring for: Homebuyers exploring a mortgage with another applicant who will live elsewhere.

Buying with help from someone who will not live in the home? Understand income review, shared mortgage responsibility and alternatives to compare.

Renovation Financing: FHA 203(k) & HomeStyle

Worth exploring for: Buyers considering an existing home that needs repairs and homeowners comparing ways to finance a planned renovation.

Buying a fixer-upper or improving your current home? Compare renovation mortgages, FHA 203(k), HomeStyle Renovation and home-equity options.

FHA Loan

Worth exploring for: First-time buyers or those rebuilding credit who want a low down payment option

A government-backed mortgage insured by the Federal Housing Administration, designed to make homeownership more accessible with lower down payment and flexible credit requirements.

Conventional Loan

Worth exploring for: Buyers with good credit and stable income who want flexible terms and the ability to remove mortgage insurance

Conventional loans are not government-backed and follow guidelines set by Fannie Mae and Freddie Mac. They are a common choice for buyers with stable income and established credit.

VA Loan

Worth exploring for: Veterans, active duty service members, and eligible surviving spouses

A powerful benefit for eligible veterans, active duty service members, and surviving spouses — offering zero down payment and no private mortgage insurance.

USDA Loan

Worth exploring for: Buyers purchasing in eligible rural or suburban areas who meet income guidelines

A USDA Rural Development loan offers zero down payment for eligible properties in qualifying rural and suburban areas.

Jumbo Loan

Worth exploring for: Buyers purchasing homes above conventional loan limits who have strong credit and financial reserves

Jumbo loans are mortgage loans that exceed conforming loan limits set by Fannie Mae and Freddie Mac. They are typically required when purchasing higher-priced homes.

Utah Housing Programs

Worth exploring for: Utah residents who need down payment assistance or prefer a state-backed lending program

Utah Housing Corporation (UHC) offers state-backed mortgage programs and down payment assistance for eligible Utah homebuyers.

Down Payment Assistance

Worth exploring for: Buyers who qualify for a mortgage but lack sufficient savings for the down payment and closing costs

Down payment assistance (DPA) programs help cover the upfront costs of buying a home, reducing or eliminating the need for personal savings at closing.

Zero Down & Low Down Payment Guide

Compare the existing zero-down guide, assistance options and readiness check.

Home Financing for Medical Professionals

Worth exploring for: Eligible medical professionals comparing a home purchase around training, a new contract, or an established practice.

Compare a medical-professional mortgage with a standard home loan, including employment timing, student debt, cash reserves, and total costs.

Manufactured Home Financing

Worth exploring for: Buyers or owners checking the home, land and title before selecting financing.

Financing a manufactured home starts with the home and the land. Compare mortgage and home-only paths, foundation requirements and documentation questions.

Non-Warrantable Condo Loans

Worth exploring for: Condo buyers or owners who need to understand a project eligibility issue before choosing financing.

A condo project can affect your mortgage options as much as your own qualifications. Learn what non-warrantable means and which questions to ask early.

1099 Income Mortgage Options

Worth exploring for: Independent contractors exploring how to document ongoing earnings.

Paid as an independent contractor? Compare 1099-based mortgage documentation with bank statements and conventional income review.

Profit & Loss Mortgage Options

Worth exploring for: Business owners comparing ways to explain business income and expenses.

Self-employed with business financial statements? Learn how P&L mortgage documentation differs from bank statement and tax-return review.

Bank Statement Loan

Worth exploring for: Self-employed borrowers comparing documented business cash flow with tax-return-based mortgage qualification.

Self-employed? Compare a mortgage that uses bank statements to document qualifying income with a tax-return-based loan.

ITIN Loan

Worth exploring for: Borrowers who file taxes using an ITIN and do not have a Social Security Number

ITIN loans provide a path to homeownership for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number (ITIN) rather than a Social Security Number.

Foreign National Loan

Worth exploring for: Non-U.S. residents or citizens purchasing a home or investment property in the United States

Foreign national loans allow non-U.S. citizens without permanent residency to finance the purchase of U.S. real estate, typically with larger down payments and international documentation.

Construction Loan

Worth exploring for: Buyers building a custom home or purchasing a newly constructed property that requires construction financing

Compare financing for a new build, including staged draws, builder review and the path to a permanent mortgage.

Buy Before You Sell

Explore the existing guide to purchase timing and buying before your current home sells.

Self-Employed Mortgage Guide

Explore income documentation options and the existing self-employed roadmap.

Fix-and-Flip & Fix-and-Hold Financing

Worth exploring for: Investors planning an existing-property renovation with either a sale or rental exit.

Buying a property to renovate and sell or keep as a rental? Compare short-term rehab financing, staged draws and the plan to repay or refinance.

Delayed Financing After a Cash Purchase

Worth exploring for: Cash buyers considering a mortgage after the purchase has closed.

Bought a home with cash? Explore delayed financing, the purchase-money paper trail, limits on reimbursement and the risk of relying on a later loan.

DSCR Loan

Worth exploring for: Investors comparing a rental-income documentation path with conventional investment financing.

Explore investment-property financing that evaluates rental income in relation to the housing payment.

Investment Property Loan

Worth exploring for: Real estate investors purchasing non-owner-occupied rental properties

Investment property loans finance the purchase of non-owner-occupied rental properties, with options ranging from conventional programs to non-QM alternatives like DSCR loans.

House Hacking

Explore the existing guide to living in a property while renting part of it.

Investor Financing Guide

Explore the existing investor roadmap and financing comparisons.

First-Lien HELOC

Worth exploring for: Borrowers who want to compare disciplined cash-flow management with a conventional mortgage and can plan for rate and credit-limit changes.

Explore a different approach to home financing with Work Hard Mortgage: a first-lien home equity line of credit.

Closed-End Home Equity Loans

Worth exploring for: Homeowners comparing a defined borrowing amount while keeping an existing first mortgage.

Need a lump sum from your home’s equity? Compare a closed-end home equity loan with a HELOC, cash-out refinance and other homeowner options.

Asset Depletion & Asset-Based Qualification

Worth exploring for: Borrowers with significant documented assets who want to compare qualification paths alongside their long-term spending plans.

Have substantial assets but limited paystub income? Learn how eligible assets may support mortgage qualification and what to compare before using this approach.

HELOC / Home Equity Line of Credit

Worth exploring for: Homeowners with equity who want flexible access to funds without refinancing their first mortgage

A Home Equity Line of Credit (HELOC) lets homeowners borrow against the equity they've built in their home as a revolving line of credit, without refinancing their first mortgage.

Rate and Term Refinance

Worth exploring for: Homeowners who want to reduce their interest rate, shorten their loan term, or switch from an adjustable to fixed rate

A rate and term refinance replaces your existing mortgage with a new one, focused on changing the interest rate, loan term, or loan type — without significantly increasing the loan balance.

Cash-Out Refinance

Worth exploring for: Homeowners with significant equity who need funds for renovations, debt consolidation, investment, or other major expenses

A cash-out refinance replaces your existing mortgage with a larger loan, allowing you to receive the difference between the new and old balance as cash at closing.

FHA Streamline Refinance

Worth exploring for: Existing FHA borrowers who want to lower their interest rate quickly with minimal paperwork

The FHA Streamline Refinance is a simplified refinance option for existing FHA borrowers, designed to lower the interest rate or monthly payment with reduced documentation requirements.

VA IRRRL (VA Streamline Refinance)

Worth exploring for: Veterans with an existing VA loan who want to refinance to a lower rate with minimal paperwork

The VA IRRRL (Interest Rate Reduction Refinance Loan) is a streamlined refinance option for eligible veterans with existing VA loans, designed to lower the rate or payment with minimal documentation.

Reverse Mortgage

Learn about reverse mortgages and open the existing reverse mortgage review form.

Opens our existing reverse mortgage review form.

Refinance & Equity Guide

Explore the existing homeowner guide to refinancing and home equity.

Credit Improvement Guide

Explore the existing credit preparation guide and homeownership roadmap.

Divorce & Mortgage Transitions

Explore the existing guide to keeping, refinancing or buying a home during a divorce.