See Your Real Mortgage Rate — No Obligation

Best for borrowers with good credit (680+) and at least 3–20% down.

• No upfront mortgage insurance
• PMI cancels at 20% equity
• Loan limits up to $806,500 (2025)
• Best rates for 760+ credit scores

Ideal for first-time buyers or those with lower credit scores.

• As low as 3.5% down (580+ credit)
• More flexible DTI guidelines
• Annual MIP: ~0.55% of loan balance
• Great for 580–680 credit range

Exclusive benefit for veterans, active-duty, and eligible surviving spouses.

• 0% down payment required
• No private mortgage insurance
• Often the best rates available
• One-time VA funding fee

Backed by the U.S. Department of Agriculture for rural and suburban homebuyers.

• 0% down in eligible areas
• Income limits apply
• Property must be in USDA-eligible zone

For loan amounts above conforming limits ($806,500 in most counties).

• Typically requires 10–20% down
• 720+ credit score preferred
• Higher loan amounts — luxury & high-cost markets

Start lower than fixed rates, then adjust periodically after the initial period.

• 7/6 ARM: fixed 7 years, adjusts every 6 months
• Lower initial rate
• Good if you plan to sell or refi within 7 years