Mortgage programs
Buying Programs
Start by your goal, not by jargon. Compare mortgage programs and get help choosing an option that matches your situation.
9 loan paths to explore·Homebuyers, refinancers, investors, and commercial borrowers·Compare side-by-side or get a guided recommendation
Your path
Start with your situation
Pick the path that matches your goal — we'll surface the programs and questions most relevant to your scenario.
Common questions
Answers before you're ready to talk
When should I refinance?
Refinancing is typically advantageous when mortgage rates are at least 2% lower than your current loan rate. However, even a smaller difference, such as 1% or less, can still make refinancing worthwhile by reducing your monthly payments. For instance, on a $100,000 loan at 8.5%, your payment would be approximately $770, excluding taxes and insurance. If the rate drops to 7.5%, your payment would decrease to $700, saving you $70 monthly. The exact savings depend on factors like your income, budget, loan amount, and interest rate fluctuations. Consult with your lender to explore your refinancing options.For more information read our article Refinance
What’s the minimum down payment?
Most DSCR loans require at least 20–25% down, though this can vary by lender.
Not Sure Which Program Fits?
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