Ideal for borrowers with strong credit, steady income, and stable employment. Typically requires 3–5%+ down. PMI is generally required if down payment is under 20%.

Designed for borrowers with lower credit scores or limited savings. Down payments can be as low as 3.5%. Requires MIP, which may remain for the life of the loan.

A zero-down option for eligible rural and suburban buyers. Includes income limits and location requirements, but can offer low rates and reduced mortgage insurance.

For properties above conforming loan limits. Often requires 10–20% down, higher credit, and lower DTI.

A revolving credit line secured by your home’s equity with a variable rate. Great for ongoing expenses and may allow interest-only payments during the draw period.

A lump-sum equity loan with a fixed rate and predictable monthly payments— best for major renovations or debt consolidation.

Financing for factory-built homes on permanent foundations. Eligibility may depend on the home’s condition, age, foundation type, and land ownership.

Financing for buyers purchasing shares in a cooperative housing corporation rather than real property. Underwriting evaluates both the borrower and the co-op’s financial stability and may require board approval.