Home loan programs

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There are a number of standardized programs available to borrowers who are looking to purchase or finance a home for themselves or their families. 

Conventional Loans

Conforming conventional loans are loans that adhere to the standards set by Fannie Mae and Freddie Mac, including maximum loan amounts. As of 2022, the standard limit for a conforming conventional mortgage loan maximum is $647,200 for a single-family home that you intend to live in. For borrowers in high-cost areas, the limit can be as high as $970,800.
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FHA – Federal Housing & Administration

These loans allow you to get into a home with a credit score as low as 500 if you have a 10% down payment, or 580 if you have a 3.5% down payment. This may be a good option if your credit score isn’t high enough to qualify for a conventional loan.
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Non-Prime / Subprime Loans

Conforming conventional loans are loans that adhere to the standards set by Fannie Mae and Freddie Mac, including maximum loan amounts. As of 2022, the standard limit for a conforming conventional mortgage loan maximum is $647,200 for a single-family home that you intend to live in. For borrowers in high-cost areas, the limit can be as high as $970,800.
Learn more

Jumbo Loans

Jumbo Loans, also known as High Balance loans, are when they are over $624,200 for a single-family home, and over $970,800 in high cost areas.  These loan amounts are over what is considered the lending limits for conforming loans. Jumbo loans typically require higher credit scores than conforming loans (680+). You may also need to have a lower debt-to-income ratio (DTI) and put down a larger down payment.
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VA – Department of Veterans Affairs

Jumbo Loans, also known as High Balance loans, are when they are over $624,200 for a single-family home, and over $970,800 in high cost areas.  These loan amounts are over what is considered the lending limits for conforming loans. Jumbo loans typically require higher credit scores than conforming loans (680+). You may also need to have a lower debt-to-income ratio (DTI) and put down a larger down payment.
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Reverse Mortgage

VA loans are designed for select members of the military community, their spouses, and other beneficiaries. They don’t require a down payment and don’t charge private mortgage insurance.
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Second Mortgage – Line of Credit

A second mortgage is a loan made in addition to the homeowner’s
primary mortgage. HELOCs are often used as second mortgages.
 Learn more

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