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Explore Home Loan Options

Conventional Loans

The most common home financing option. You can use a conventional loan to buy a primary residence, second home, or rental property with a down payment as little as 3 percent. Though most conventional loans require Private Mortgage Insurance (PMI) if you put less than 20 percent down.

FHA Loans

The most common type of government-backed home loan. FHA Loans are a popular and affordable option for low- and middle-income borrowers and require only a 3.5% down payment.

USDA Loans

A government-backed mortgage tailored for those purchasing in rural areas. USDA loans come with no down payment but have income limits. Minimum credit score requirements will vary depending on the lender and other factors. A credit score in the low-to-mid 600s is a common benchmark for USDA loans.

VA Loans

The VA Loan is one of the most powerful homebuying tools on the market. The VA Loan program primarily serves our nation’s Veterans and active duty service members. Qualified borrowers can take advantage of no down payment and no mortgage insurance. Higher credit scores may mean lower rates with VA loans.