Home Buying Loans

Learn how conventional home loans work, who qualifies, typical down payments, and how rates compare to FHA and VA loans in the US.

FHA loans offer low down payments and flexible credit rules. See eligibility, mortgage insurance costs, and how to apply in the US.

VA loans let eligible veterans and service members buy homes with no down payment. Learn eligibility, funding fees, and key benefits.

USDA loans offer zero-down financing for eligible rural and suburban homebuyers. Learn income limits, property rules, and how to qualify.

Jumbo loans finance homes above conforming limits. Learn qualification standards, down payments, and rates compared to conventional loans.

Explore state and federal first-time homebuyer programs offering down payment assistance, grants, and reduced-rate mortgages.

A piggyback loan pairs a first and second mortgage to help buyers avoid PMI. Learn how 80-10-10 loans work and their tradeoffs.

Learn the income, debt, and down payment factors lenders and buyers use to estimate a realistic home-buying budget.

Financing a manufactured or mobile home works differently than a traditional mortgage. Learn loan types, requirements, and limits.

Financing a condo involves extra lender review of the HOA itself. Learn what lenders check and how HOA fees affect approval.

Renovation loans let buyers finance a home purchase and repairs together. Learn how these programs work and what they require.

A rate lock protects your mortgage rate while your loan closes. Learn how locks work, typical lengths, and float-down options.