First time homebuyers may be able to purchase with as little as 3% down. Homeowners may refinance up to 85% and take cash-out. Purchase using gift funds for your down payment or refinance and roll closing costs into your loan.

With VA Loans, veterans and surviving spouses may purchase or refinance with no money down, no appraisal fee, and no mortgage insurance premiums. You may be able to roll closing costs into the loan with minimal paperwork. *May have upfront fees.

With a USDA Loan, qualified borrowers can purchase or refinance a property, located in a designated rural area, up to 100% LTV. Government-guaranteed USDA Loans are not limited to first time homebuyers and feature no down payment requirement.

FHA Loans are great for people looking to lower down payment requirements and flexible qualifications. FHA loans have upfront, monthly mortgage insurance premiums and allow monetary gifts for down payments / closing costs.

With a Jumbo Loan, you can purchase or refinance with LTV’s as high as 80% for one-unit properties. Jumbo loans are available for primary residence and second home properties valued up to $3 million. Homeowners may qualify with a minimum FICO score of 700.

Reverse mortgages are available to homeowners 62 years or older, allowing them to possibly tap into their homes equity. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default.

Buying a home may be easier than you think with the Arrive Home down payment assistance program. This program offers 3.5% forgivable second lien options or 3.5% or 5% repayable second lien option.

A Construction to Perm Loan is a new construction loan that has one closing and pays out all the fees including commissions, soft costs, construction budgets, etc. Once construction is complete the mortgage is modified into the terms that the borrower was approved for at initial closing.