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Best For
Home Type
Down Payment
Term Length
Rate Type
Credit Score
Mortgage Insurance
Eligibility Requirements
Long-term buyers wanting consistent monthly payments
Primary & Secondary
3%+
15, 20 or 30 yrs
Fixed
620+
If <20% down
- Proof of steady income & employment
- Meet credit & down payment requirements
- 43% maximum debt-to-income ratio
Short-term buyers who plan to sell or refinance before rate adjusts
Primary & Secondary
5%+
30 yrs (fixed periods of 3, 5, 6, 7 or 10 yrs)
Adjustable
620+
If <20% down
- Proof of steady income & employment
- Meet credit & down payment requirements
- 43% maximum debt-to-income ratio
First-time buyers or those with lower credit
Primary Only
3.5%
15 or 30 yrs
Fixed
Varies
Required
- Proof of steady income & employment
- 580+ credit with 3.5% down or 500–579 credit with 10% down
- 50% maximum debt-to-income ratio
Rural buyers with low to moderate income.
Primary Only
0%
30 yrs
Fixed
640+
Required
- Live or purchase home in a USDA defined rural area
- Proof of low-to-moderate income & steady employment
- Meet credit & down payment requirements
- 43% maximum debt-to-income ratio
A veteran, active-duty service member, or eligible surviving spouse.
Primary Only
0%
15 or 30 yrs
Fixed
620+
None
- Current and former U.S. military personnel
- Proof of steady income & employment
- Meet credit & down payment requirements
- 41% maximum debt-to-income ratio
Buyers constructing a home who need short-term funding during the build.
New Construction
20%
6–24 mos
Varies
680+
None
- Project plans with cost estimate and budget
- Builder and contractor credentials
- Property appraisal
- Proof of steady income & employment
- Meet credit & down payment requirements
- 43% maximum debt-to-income ratio
- Loan-to-value ratio less than 80%
A high-income borrower purchasing a luxury or high-cost home that exceeds $806,500.
Primary & Secondary
5–20%
15 or 30 yrs
Fixed
700+
If <20% down
- Proof of substantial income & steady employment
- Meet high credit & down payment requirements
- Strong debt-to-income ratio
Community workers (teachers, first responders, and more) needing help with down payment costs.
Primary Only
Varies
30 yrs
Fixed
Varies
Required
- Current/retired law enforcement, educators, healthcare workers, firefighters, first responders, military (active, veteran, or surviving spouse), and COVID-essential workers.
- Proof of low-to-moderate income & steady employment
- Minimum contribution of $1,000+ toward home purchase
- Meet credit & down payment requirements
- 43% maximum debt-to-income ratio
Buyers planning to build a home later and want to secure the land now.
Lots up to 5 acres
20–30%
2–20 yrs
Varies
680+
None
- Land must be zoned for residential use, have legal access
- Land survey and appraised
- Plan to build within 2-5 years
- Proof of steady income & employment
- Meet credit & down payment requirements
- 43% maximum debt-to-income ratio
First-time buyers with low savings and lower credit or credit history.
Primary Only
3%
15 or 30 yrs
Fixed
620+
Required
- Proof of steady income & employment
- Meet credit & down payment requirements
- 43% maximum debt-to-income ratio
Equal Housing Lender. Member FDIC. NMLS# 608046
