Use this guide to understand the role of each major mortgage program. Eligibility, pricing, and approval depend on the borrower, property, and current lending guidelines.
Flexible financing for primary homes, second homes, and investment properties.
Conventional mortgages can offer a wide range of term, down payment, and property options. The right structure depends on your credit profile, income, available funds, and goals.
Government-backed financing with flexible qualification guidelines.
FHA loans may help qualified buyers who need a lower down payment or more flexible credit guidelines. Mortgage insurance and property standards apply.
A home loan benefit for eligible service members, veterans, and surviving spouses.
VA loans can provide qualified borrowers with no required down payment and no monthly private mortgage insurance. Eligibility, entitlement, appraisal, and underwriting requirements apply.
Financing for eligible borrowers purchasing in qualified rural and suburban areas.
USDA programs may offer qualified borrowers a no-down-payment path in eligible areas. Household income limits, location eligibility, fees, and underwriting requirements apply.
Financing options for loan amounts above conforming limits.
Jumbo mortgages serve higher loan amounts and often require stronger reserves, credit, and documentation. Program requirements vary by lender and property.
Explore a different term, payment structure, or access to available equity.
A refinance should be evaluated against closing costs, break-even timing, current equity, and long-term goals. A lower payment does not always mean a lower total cost.
Financing paths for qualified residential real estate investors.
Investment financing varies by occupancy, property type, rental income, reserves, and borrower profile. Bryan can help identify programs suited to the scenario.
That is a useful place to start. Bryan can help narrow the possibilities based on your goals and situation.