• Fixed-rate and adjustable-rate options
• Wide range of repayment terms
• Down payments as low as 3%
• Competitive interest rates
• Minimum credit score of 620, in most cases
• Other requirements and conditions apply

• Minimum credit score of 580
• Lower down payment of at least 3.5%, in most cases
• Fixed-rate and adjustable rate options
• Other requirements and conditions apply

• Lower interest rates and closing costs
• No down payment requirement
• No private mortgage insurance required
• Fixed-rate and adjustable-rate options
• Available for first-time and repeat homebuyers
• Variety of eligible VA-approved property types

• Designed for more expensive primary, second, or vacation homes
• Fixed-rate and adjustable-rate options
• Wide range of repayment terms
• Specialized programs with lower than 20% down payments

• Non-qualified mortgage loan that is tailor-made for real estate investors, including foreign nationals (no credit score required for foreign nationals)
• Fixed-rate and adjustable -rate options
• Minimum down payments between 20%-30% depending on the type of borrower
• Rental income from a property is used to qualify, rather than the borrower’s income
• No employment verification needed

• Fix and Flip Loans:

Tailored to the fix and flip investment strategy, which has benefits to investors including quick financing, flexible terms interest-only payments, ability to protect other assets by financing through an entity, underwritten based on the investment rather than personal income.

Loans granted for the purpose of building homes, offices, or other real estate properties. Construction loans are most commonly granted to builders or property developers to fund a major construction project such as a housing development, office building, or shopping center. However, they may also be granted to an individual to fund the construction of a personal residence. The construction loan operates more like a line of credit from which the borrower can access funds as needed at various stages of the construction project.