Purchase Mortgage Types

The traditional mortgage backed by Fannie Mae and Freddie Mac — ideal for borrowers with solid credit and steady income.

• Credit score 620+
• Down payment as low as 3%
• DTI ratio up to 50%
• PMI required if less than 20% down
• Fixed and adjustable rates available

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Government-backed loans with flexible credit requirements — a favorite for first-time home buyers.

• Credit score 580+ with 3.5% down
• Credit score 500–579 with 10% down
• DTI ratio up to 57%
• Mortgage insurance premium required
• Primary residence only

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For eligible veterans, active-duty military, and surviving spouses — among the best terms available anywhere.

• Valid Certificate of Eligibility
• No down payment required
• No PMI required
• Competitive interest rates
• Funding fee may apply

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Zero-down financing for homes in eligible rural and suburban areas — more places qualify than you might think.

• Property in USDA-eligible area
• Income limits apply
• No down payment required
• Credit score 640+ preferred
• Primary residence only

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For loan amounts above the conforming limit — financing for higher-value homes with competitive terms.

• Loan amounts above $766,550
• Credit score 700+ typically
• Down payment 10–20%
• Lower DTI requirements
• Strong reserves required

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