Loan Programs

CorePrograms.

The foundation of every home purchase. Whatever your path looks like, one of these four time-tested programs is usually where it starts — and I’ll help you land on the right one.

Conventional FHA USDA Jumbo

The Fundamentals

Four Ways Home.

Every borrower’s situation is different. Here’s a plain-English look at the core programs and who each one tends to fit best.

01

Conventional

The flexible standard

Conventional loans follow Fannie Mae and Freddie Mac guidelines and aren’t insured by a government agency — the most common path for buyers with steady credit and income.

Best forBuyers with solid credit who want flexibility

As little as 3% down for qualified first-time buyers
Mortgage insurance can drop off once you reach 20% equity
Primary homes, second homes, and investment properties
Fixed and adjustable-rate terms available

02

FHA

A friendlier front door

Backed by the Federal Housing Administration, FHA loans open the door for buyers with lower credit scores or smaller savings — often the first real step toward owning.

Best forFirst-time buyers & those rebuilding credit

Down payments as low as 3.5%
More forgiving credit requirements
Gift funds allowed toward your down payment
A solid bridge to a conventional loan down the road

03

USDA

Zero down, right zip code

Backed by USDA Rural Development, these loans offer 100% financing for eligible homes in rural and many suburban areas — for income-qualified buyers.

Best forBuyers outside the city core who meet the limits

$0 down payment on eligible properties
Competitive fixed rates
Lower mortgage insurance than many alternatives
Income and location eligibility apply

04

Jumbo

When the home is bigger

Jumbo loans finance amounts above standard conforming limits — the move for higher-priced and luxury homes that a standard loan can’t cover.

Best forHigher-value purchases beyond conforming limits

Finance beyond standard county loan limits
Competitive rates on large balances
Primary, second home, and investment options
Tailored underwriting for strong borrowers

Beyond the Basics

More Ways I Can Help.

The core four cover most buyers — but they’re not the whole toolbox. Here are a few specialty paths worth a look.

$0 down for veterans, active-duty, and surviving spouses.

Turn your checking account into a payoff machine.

See how it works

First-Time Buyers

Step-by-step guidance from budget to keys in hand.

Ready to Get Started?

Five minutes to find out what you qualify for. No commitment, no pressure — just real answers about your next move.

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