Tools
Compare Loan Programs
See how our loan programs stack up. Find the one that fits your goals.
Home Loans
Home Loan Programs at a Glance
| Feature | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| Down Payment | 3–20% | 3.5% | 0% | 0% |
| Min. Credit Score | 620+ | 580+ | None (lender varies) | 640+ |
| Mortgage Insurance | PMI (if < 20%) | MIP (required) | None | Annual fee |
| Best For | Good credit buyers | First-time buyers | Veterans & military | Rural/suburban buyers |
| Property Type | Primary, 2nd home, investment | Primary only | Primary only | Primary in eligible areas |
| Max Loan Amount | Conforming limits | Conforming limits | No limit (with entitlement) | Conforming limits |
Note: Conventional loans are ideal for buyers with strong credit and savings. FHA works well for those with limited credit history or smaller down payments. VA loans offer unbeatable terms for eligible veterans. USDA provides zero-down options in qualifying areas. Talk to us → to find your best fit.
Investment Loans
Investment Loan Programs at a Glance
| Feature | Hard Money | DSCR | Bridge | Fix & Flip | Construction |
|---|---|---|---|---|---|
| Qualification | Asset-based | Property income | Equity-based | Asset-based | Project-based |
| Down Payment | 25–35% | 20–25% | 20–30% | 20–30% | 20–30% |
| Typical Term | 6–24 months | 30 years | 6–12 months | 6–18 months | 12–24 months |
| Best For | Quick close deals | Rental portfolios | Between properties | Renovation & resale | Ground-up builds |
| Income Docs Needed | Minimal | None (DSCR ratio) | Minimal | Minimal | Project plans |
| Speed to Close | 5–10 days | 2–3 weeks | 1–2 weeks | 5–10 days | 2–4 weeks |
Note: Hard Money and Fix & Flip loans are short-term with higher rates but fast closings. DSCR loans are ideal for long-term rental investors who can’t verify traditional income. Bridge loans help you transition between properties. Construction loans fund ground-up builds and convert to permanent mortgages. Each serves a different investment strategy, we’ll help you choose →
Need Help Deciding?
Get a Personalized Comparison
Our loan officers will analyze your situation and recommend the best program, no cost, no obligation.
Still Not Sure?
Our loan officers will help you compare programs and find the best fit u2014 for free.