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Loan Programs

Find the Right Loan for Your Goals

Home Financing Options

Explore Our Loan Programs

Every homebuyer’s financial situation is different. Explore our available mortgage programs and learn which options may align with your goals, qualifications, and property needs.

Well-maintained contemporary home in a Southern California neighborhood
Flexible Everyday Financing

Conventional Loans

Explore flexible conventional financing for eligible home purchases and refinances, with fixed- and adjustable-rate options.

  • Low-down-payment options may be available to qualified borrowers
  • Fixed- and adjustable-rate mortgage options may be available
  • Financing may be available for eligible primary residences, second homes, and investment properties
Explore Conventional Loans
Well-maintained single-family home in a welcoming suburban neighborhood
Accessible Path to Homeownership

FHA Loans

Explore FHA-insured home financing with a low down payment and flexible qualification options for eligible homebuyers.

  • Down payments as low as 3.5% may be available to qualified borrowers
  • Flexible credit and financial qualification guidelines
  • Available to eligible first-time and repeat homebuyers
Explore FHA Loans
Welcoming single-family home with an American flag near the front porch
Benefits Earned Through Service

VA Loans

Explore VA-backed home financing with potential no-down-payment options and no monthly mortgage insurance for eligible borrowers.

  • No down payment may be available to qualified borrowers
  • No monthly private mortgage insurance or mortgage insurance premium
  • Competitive lender-determined rates and terms
Explore VA Loans
Single-family home in a welcoming semi-rural residential community
Financing for Eligible Rural Homes

USDA Loans

Explore no-down-payment home financing for eligible borrowers purchasing a primary residence in a USDA-qualified area.

  • No down payment for qualified borrowers
  • Up to 100% financing, subject to program requirements
  • Fixed 30-year mortgage term
Explore USDA Loans
Upscale contemporary home with landscaped frontage
Financing for Higher-Value Homes

Jumbo Loans

Flexible jumbo financing for higher-value homes when the loan amount exceeds the applicable conforming loan limit.

  • Financing above applicable county conforming loan limits
  • Fixed- and adjustable-rate options may be available
  • Potential options for eligible purchase and refinance transactions
Explore Jumbo Loans
Homeowners reviewing home equity financing options with a mortgage professional
Access the Equity in Your Home

Home Equity / HELOC

Explore home equity loan and HELOC options that may allow qualified homeowners to borrow against available home equity for eligible financial needs.

  • Borrow against available equity in an eligible residential property
  • Choose between a lump-sum home equity loan or a revolving HELOC when available
  • A home equity loan may provide fixed payments, while a HELOC commonly has a variable rate
Explore Home Equity / HELOC
Older homeowners discussing reverse mortgage options with a mortgage professional in a comfortable home
Home Equity for Eligible Homeowners

Reverse Mortgage

A reverse mortgage may allow eligible homeowners age 62 and older to access part of their home equity while continuing to own and live in their primary residence.

  • Available to eligible homeowners age 62 and older
  • May provide access to part of the equity in a primary residence
  • Monthly principal-and-interest payments are generally not required while loan obligations are met
Explore Reverse Mortgage
Find a Loan Program

Not Sure Which Loan Program to Explore?

Answer a few general questions about your mortgage goal, property, borrower profile, and down-payment preference. We’ll show you loan programs that may be relevant to explore.

Start the Loan Explorer

This educational tool does not determine eligibility, provide a rate quote, or represent a commitment to lend.

Answer Guided Questions

Tell us what you want to accomplish and what type of financing situation you are exploring.

Review Suggested Programs

See educational starting points based on the answers you provide.

Compare Your Options

Compare general program features and connect with a loan professional when you are ready.

Related Resource

Understanding Mortgage Rate Options

Learn how fixed, adjustable, and other payment structures may affect your mortgage payments over time.

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