Solutions
Mortgage solutions, explained.
Educational overviews, not an offer or a rate. Availability depends on the file, the property, and licensing. Your loan officer should tell you which paths are real for you.
Start with the goal
A product name is not a strategy.
Conventional is not automatically cheaper than FHA. VA is a benefit, not a slogan. Jumbo is a loan size. Construction is a different file. Read the overview that matches what you are trying to do, then talk to a person.
Program
Conventional
A widely used mortgage that is not insured by FHA, VA, or USDA. It can fit primary homes, some second homes, and certain investment properties.
Ideal for. Buyers who want a straightforward path to a primary residence with established credit and some down payment.
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Program
FHA
A government-insured mortgage designed to make homeownership more reachable for eligible borrowers, often with a lower down payment.
Ideal for. First-time buyers and borrowers who want more underwriting flexibility on credit or down payment.
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Program
VA
A benefit for eligible veterans, service members, and surviving spouses, often with no down payment and no monthly mortgage insurance.
Ideal for. Eligible military borrowers purchasing or refinancing a primary home.
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Ask an officer
USDA
Rural development financing for eligible properties and household income limits, often with no down payment.
Ideal for. Buyers in eligible rural and suburban markets whose income fits USDA limits.
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Program
Jumbo
Financing above conforming loan limits for higher-value homes.
Ideal for. Buyers in high-cost markets or purchasing a larger property that exceeds conforming limits.
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Ask an officer
Construction
Financing structured around a build, including conversations about one-time close options.
Ideal for. Clients building a custom home or working with a builder.
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Ask an officer
Investment
Financing for non-owner-occupied properties and portfolio growth.
Ideal for. Investors adding a rental or another property they will not occupy as a primary home.
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Program
Refinance
Replace your current mortgage with a new one, for rate, term, cash-out, or a simpler monthly structure.
Ideal for. Homeowners asking whether a new loan improves their position after costs.
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Program
First-time homebuyer
Education, program matching, and a calmer first purchase, not a single product name.
Ideal for. Anyone buying a primary home for the first time, or who has not owned in a long time.
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Ask an officer
Reverse mortgage
A specialized option for eligible older homeowners who want to convert home equity into proceeds.
Ideal for. Homeowners typically 62+ exploring HECM or similar programs.
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Program
Adjustable rate
A lower introductory rate that adjusts after a set period, useful when the timeline is clear.
Ideal for. Buyers who may move or refinance before the first adjustment, or who understand the trade-off.
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Then choose a program
Read the overview that matches the house and the file, not the slogan on a rate ad.
A simpler comparison
Conventional, FHA, and VA: in plain language
These are educational contrasts, not qualification rules. Limits, fees, and overlays change. Confirm with a loan officer.
| Conventional | FHA | VA | |
|---|---|---|---|
| Best when | Established credit and some down payment on a typical primary home | Lower down payment or more flexible credit on a primary home | Eligible military benefit on a primary home |
| Occupancy | Primary, some second homes and investments | Generally primary residence | Generally primary residence |
| Mortgage insurance | PMI may apply under 20% down; often removable later | Upfront and annual MI; rules differ from PMI | No monthly MI; funding fee may apply unless exempt |
Ready when you are
The house is the point.
Whether you’re buying your first home, moving into your next one, refinancing, or exploring your options, we’re here to help you figure out the next step.