Conventional
Flexible purchase and refinance options for qualified borrowers, including a range of down-payment choices.
Eligibility and terms varyLoan programs
The program is a tool. Your goal comes first.
Explore the broad categories below, then compare the options for your actual income, property, state, timeline, and priorities.
FHA
Government-insured financing with flexible qualification guidelines for eligible buyers.
Eligibility and terms varyVA
A powerful earned benefit for eligible service members, veterans, and surviving spouses.
Eligibility and terms varyUSDA
Potential zero-down financing for eligible borrowers and properties in qualifying rural areas.
Eligibility and terms varyHELOC
A revolving line of credit that may help qualified homeowners access available equity.
Eligibility and terms varyHomeSelect Offset Mortgage
A first-position mortgage strategy designed to help eligible borrowers use cash flow more deliberately.
Eligibility and terms varyReverse mortgage
An educational conversation for eligible homeowners exploring how home equity may support retirement goals.
Eligibility and terms varyDown-payment assistance
State and local program options that may help eligible buyers with upfront costs.
Eligibility and terms varyInvestor lending
Financing paths for qualified real-estate investors, including property-focused scenarios when available.
Eligibility and terms varySelf-employed solutions
A careful review of income documentation and alternative-documentation options when offered and appropriate.
Eligibility and terms varyPurchase
Choose the financing before the house chooses for you.
First-time buyers, repeat buyers, veterans, and relocating families all benefit from the same foundation: understand the payment, cash to close, documentation, and offer strategy before going under contract.
Start my secure applicationEquity and refinance
Compare the full strategy—not just the rate.
A refinance, HELOC, reverse mortgage, or offset-style option can solve different problems. Compare closing costs, repayment structure, access to funds, break-even timing, and long-term flexibility.
Estimate a break-even pointImportant: Program descriptions are educational and are not approvals, commitments, or offers. Availability, eligibility, loan limits, documentation, property rules, mortgage insurance, fees, and underwriting requirements vary.
Want the two or three options that matter for you?
Bring your goal, state, and timeline. Louis will help you narrow the field.