Backed by the Federal Housing Administration, FHA loans are designed to help lower-to-moderate-income borrowers achieve homeownership. With more lenient credit requirements and a down payment as low as 3.5%, these loans are perfect for first-time buyers or those with limited savings.

Non-Qualified Mortgage (Non-QM) loans offer flexible financing options for borrowers who may not meet traditional lending guidelines—such as self-employed individuals, investors, or those with non-standard income documentation. These loans provide creative solutions when conventional options fall short.

DPA programs help qualifying homebuyers bridge the gap between their savings and required down payments. These may come in the form of grants, forgivable loans, or deferred payment options—especially helpful for first-time buyers and lower-income households.

Conventional loans are ideal for borrowers with strong credit and stable income. These loans are not backed by the government and typically offer competitive interest rates with flexible term options. Great for first-time or repeat buyers who can make a minimum down payment of 3% or more.

Available exclusively to eligible veterans, active-duty service members, and select military spouses, VA loans offer significant benefits—such as no down payment, no private mortgage insurance (PMI), and competitive interest rates. Backed by the Department of Veterans Affairs.

USDA loans are designed for buyers in eligible rural and suburban areas. These government-backed loans offer zero down payment and reduced mortgage insurance costs, making homeownership more accessible to low-to-moderate-income households.