Conventional Loan Guide
The most common loan type, not backed by a government agency, generally following Fannie Mae and Freddie Mac guidelines.
Read the guide →Mortgage Loan Types
Not all mortgages work the same way. The loan type you choose affects your down payment, credit requirements, mortgage insurance, and long-term costs. Browse the guides below to understand the basics of each option.
FHA Loan Guide
Government-insured loans known for lower down payment and credit score flexibility.
Read the guide →VA Loan Guide
A benefit for eligible veterans, service members, and surviving spouses, often with no down payment required.
Read the guide →USDA Loan Guide
Zero-down financing designed for eligible rural and some suburban properties.
Read the guide →Jumbo Loan Guide
Financing for loan amounts above conforming limits, with stricter qualifying standards.
Read the guide →Mortgage Refinancing Guide
Replacing an existing mortgage to change the rate, term, or tap into home equity.
Read the guide →Home Equity Loans & HELOCs
Borrowing against the equity you've built, as a lump sum or a revolving line of credit.
Read the guide →Fixed-Rate vs. Adjustable-Rate Mortgages
How a locked-in rate compares to a rate that can adjust over time.
Read the guide →
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Not Sure Which Loan Fits?
Many borrowers qualify for more than one loan type, and the "best" option depends on your credit profile, how long you plan to stay in the home, your down payment savings, and whether the property or your service history qualifies you for a government-backed program. See our overview of how the mortgage process works or read the frequently asked questions.