Mortgage comparison guide
The best program depends on the property, occupancy, down payment, credit profile, service history, location, and long-term plan. Use this guide as a starting point—not a rate quote or approval.
Conventional financing is often the most flexible path for borrowers with stable income and established credit. It can support primary homes, second homes and investment properties without government mortgage insurance rules.
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Borrowers with established credit
Explore Conventional Loan →FHA financing is insured by the Federal Housing Administration and can make homeownership accessible when savings or credit history make conventional financing difficult.
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Buyers with limited down-payment savings
Explore FHA Loan →VA-backed loans provide a powerful home-financing benefit for eligible service members, veterans and surviving spouses, often with no down payment and no monthly private mortgage insurance.
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Eligible veterans and service members
Explore VA Loan →Jumbo loans finance balances above the applicable conforming limit. Underwriting usually places greater emphasis on credit, assets, reserves and property valuation.
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Luxury and high-cost homes
Explore Jumbo Loan →USDA guaranteed loans can offer 100% financing for eligible primary residences in approved rural and suburban areas, subject to household-income and property-location rules.
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Eligible rural and suburban properties
Explore USDA Loan →A refinance replaces an existing mortgage. The right decision depends on the new payment, total costs, break-even period, equity and how long you expect to keep the loan.
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Reducing payment or rate
Explore Mortgage Refinance →First-time buyers may combine low-down-payment mortgages with eligible state or local assistance. The best program depends on income, property location, credit and occupancy.
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First purchase planning
Explore First-Time Homebuyer →Assistance programs may provide grants, forgivable loans or repayable secondary financing. Availability and terms depend on state, county, income, occupation and first-time-buyer status.
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Buyers short on upfront cash
Explore Down Payment Assistance →A home equity line of credit is revolving credit secured by your home. It can provide flexible access to funds, but variable rates and the additional lien require careful payment planning.
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Phased home improvements
Explore HELOC →An ARM generally begins with a fixed introductory period and can adjust afterward. It may fit a shorter ownership horizon, but borrowers should understand the maximum possible payment—not just the starting rate.
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Shorter expected ownership periods
Explore Adjustable-Rate Mortgage →A licensed loan officer can compare estimated payment, cash to close, mortgage insurance, and eligibility using the same scenario.
Start your comparison →