Start with what you are trying to accomplish, then open the program page that matches that need. These categories are educational starting points, not approvals or commitments to lend.
What this page is for
Use Mortgage Loan Options to answer one question: which financing path should I investigate?
This page is not a list for the sake of having a list. Start with your goal or situation below, read the short explanation, then open the detailed page for the option that may apply. Final eligibility always depends on the complete borrower, property and transaction review.
Buying a primary home?
Start with Conventional, FHA, VA or USDA. The right comparison depends on qualification, cash available, military eligibility, property location/type, mortgage insurance and long-term plans.
Explore approved alternative-documentation concepts such as bank statements, 1099 income, assets, P&L or DSCR when the borrower or transaction calls for a different documentation method.
Each card answers what the option is for and takes you to the detailed explanation or tool. If you are buying a home and do not know where to start, use the Buy a Home roadmap first.
Conventional financing may offer fixed or adjustable rates, varied down payments, conforming or jumbo loan sizes and mortgage-insurance options for qualifying primary, second-home or investment transactions.
Government-backed programs serve different needs. FHA can offer flexible qualification; VA benefits eligible military borrowers; and USDA supports qualifying households and properties in eligible rural areas.
Rate-and-term refinancing, cash-out refinancing, home-equity loans and HELOCs solve different problems. Start with the goal, then compare cost, payment, cash flow, closing costs, term and long-term impact.
Bank statement, 1099, asset, profit-and-loss, written-VOE and related Alt Income Documentation paths may provide qualifying methods when traditional documentation does not fit the borrower profile.
DSCR, short-term equity-based financing, commercial property financing and SBA/business-purpose options require program-specific review of the borrower, property and transaction.
