Choose the path that matches the goal

Mortgage Loan Options

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.

Start with your goal

Explore mortgage paths

Use these quick paths to reach the most relevant mortgage education, scenario or planning page.

Buy a HomePurchase, first-time buyer, VA, FHA, USDA and conventional paths.Refinance / Use EquityRefinance, cash-out, home-equity loan and HELOC education.Alt Income DocumentationDSCR, bank statements, 1099 and other alternative documentation paths.Alt Income Loan Doc ScenariosExplore possible documentation paths based on a general scenario.Commercial / SBACommercial real estate, business-purpose and SBA financing paths.Reverse MortgageHECM and proprietary reverse-mortgage education for eligible homeowners.Mortgage Calculator CenterOpen the planning tools for payment, affordability, qualification, refinance and equity analysis.

Conventional mortgages

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.

FHA, VA and USDA

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.

Refinance and home equity

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.

Reverse mortgages

Eligible older homeowners may explore federally insured HECM or proprietary reverse-mortgage options, subject to counseling, equity, occupancy and continuing homeowner obligations.

Non-QM and alternative documentation

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.

Investor and commercial financing

DSCR, short-term equity-based financing, commercial property financing and SBA/business-purpose options require program-specific review of the borrower, property and transaction.