Better Rates.
Smarter Home Financing.

Important Disclosures & Program Guidelines

General: All loan products are available to qualified borrowers only. Subject to credit approval and program guidelines. This website is for informational purposes only and does not constitute an offer to extend credit or a commitment to lend. All information is subject to change without notice.

Rates & Payments: Example financing scenarios are for illustration purposes only and are not a commitment to lend. Rates, payments, and terms shown are estimates and may vary based on borrower credit profile, income, property type, occupancy, and market conditions. Payment examples assume owner-occupied primary residence and are subject to automated underwriting approval. Programs, rates, terms, and availability subject to change without notice.

Down Payment Assistance & Zero-Down Programs: Zero-down loan products and down payment assistance (DPA) programs are available to eligible borrowers only and subject to program availability, income limits, property location, and other restrictions. Example DPA program shown requires a minimum 640 credit score; other programs may have different requirements. Not all borrowers will qualify. DPA programs and zero-down products may not be available in all areas.

Conventional Loans: Best conventional pricing typically available for borrowers with 680–700+ credit score. Lower scores may qualify at higher rates or with additional conditions.

General Qualification Guidelines: Two-year employment history preferred for all loan types. Primary residence required for low-down payment and DPA options. Debt-to-income ratios subject to automated underwriting approval. All loans subject to credit approval and property eligibility.

HELOC: Home Equity Line of Credit products require sufficient equity in the subject property. Availability, rates, and terms subject to credit approval, property appraisal, and lender guidelines. HELOC is a revolving line of credit secured by your home. Failure to repay may result in loss of property.

DSCR Loans: Debt Service Coverage Ratio (DSCR) loans are investment property products and are not available for owner-occupied primary residences. Qualification is based on the subject property's rental income relative to the proposed mortgage payment. Subject to credit approval, property eligibility, and program guidelines. Not available in all states.

Reverse Mortgages: Reverse mortgage products are available to homeowners aged 62 or older and are subject to FHA guidelines and program eligibility requirements. Borrower must continue to pay property taxes, homeowner's insurance, and maintain the property as their primary residence. Failure to meet these obligations may result in loan default. Reverse mortgages reduce home equity and may affect eligibility for needs-based government programs. This is not a commitment to lend. Consult with a HUD-approved housing counselor before applying. Not available in all states.