The right loan for the home
and life you want.

First-Time Home Buyer & Home Buyer Programs

Home and land financing

Manufactured Home Loans

Explore financing for an eligible manufactured home, with guidance on land ownership, foundations, and loan options.

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Conventional option

HomeReady Mortgage

Low-down-payment conventional financing for eligible buyers within program income limits.

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Flexible home financing

FHA Purchase Loans

Low-down-payment financing with flexible credit guidelines and FHA mortgage insurance.

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Purchase or refinance

Conventional Purchase Loans

Home purchase financing with a range of down payments and eligible property types.

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Eligible rural homes

USDA Home Loans

No-down-payment financing for eligible buyers and homes in designated rural areas.

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Eligible Native American buyers

Section 184 Home Loans

Home financing for eligible members of federally recognized Tribes, on or off Tribal land.

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Comfort and efficiency

Energy Efficient Mortgages

Finance eligible energy-saving improvements alongside a qualifying mortgage.

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For eligible medical professionals

Doctor Loans

Explore home financing designed around eligible physicians and their unique income and student-loan situations.

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Homes in parks or on leased land

Mobile Home Loans

Explore specialized financing for mobile and doublewide homes, including park approval and how land ownership affects your options.

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Down Payment Assistance Programs

California assistance

CalHFA MyHome

Deferred-payment assistance for eligible California buyers using a qualifying CalHFA mortgage.

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Shared appreciation assistance

California Dream For All

Shared appreciation assistance for eligible California buyers, subject to funding and application windows.

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FHA and conventional pairings

GSFA Platinum

California down payment assistance that pairs with eligible FHA or conventional financing.

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Down payment support

AccessZero

Down payment support paired with eligible mortgage financing. Explore qualification and assistance repayment.

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Another assistance option

AccessOne

Explore an assistance option with its own borrower contribution and repayment requirements.

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loanDepot exclusive program

Solar Down Payment Assistance

loanDepot's exclusive loan program with solar partner Arcasa combines assistance and owned solar.

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FHA financing with assistance

FHA Pathway Down Payment Assistance

Pair an eligible FHA purchase loan with repayable assistance toward your down payment and closing costs.

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VA Home Loans for Veterans

Buy a home

VA Purchase Loans

Use your earned VA benefit to buy a primary home, with no down payment when eligible.

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VA financing

VA Adjustable-Rate Loans

An initial fixed-rate period followed by adjustments. Compare the structure with a fixed-rate VA loan.

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Streamline refinance

VA IRRRL

A streamline refinance option for homeowners with an existing VA loan.

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Use your home equity

VA Cash-Out Refinance

Replace your current mortgage with a VA loan and explore access to available equity.

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VA refinance option

High-LTV VA Cash-Out

Explore the separate higher loan-to-value VA cash-out option and its qualification requirements.

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Home plus improvements

VA Renovation Loans

Finance a home and eligible improvements together through VA renovation financing.

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Self-Employed Borrowers

Self-employed & alternative income options

Bank-Statement Loans

Use 12 or 24 months of eligible personal or business deposits to document self-employed income.

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Self-employed & alternative income options

1099 Income Loans

A one-year 1099 documentation option for eligible borrowers with a 24-month history of 1099 earnings.

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Self-employed & alternative income options

Asset Depletion Loans

Use eligible assets to calculate qualifying income, alone or alongside other documented income.

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Home equity for self-employed borrowers

Bank-Statement HELOC

Explore a home equity line of credit that uses eligible bank statements to document income.

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Self-employed & alternative income options

One-Year Tax-Return Loans

An alternative-documentation mortgage using the most recent year of personal and business tax returns.

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Self-employed & alternative income options

Profit-and-Loss Statement Loans

A 12-month P&L prepared by an eligible CPA, enrolled agent, or CTEC preparer can support qualification.

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Self-employed & alternative income options

Asset Utilization Loans

A primary-home option using eligible assets and residual-income requirements instead of standard DTI.

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Loan Programs for Homeowners: Refinance & Home Equity

Compare refinance loan programs alongside home equity loans and lines of credit. Start with your goal in our refinance guide, then explore the program details below.

Conventional refinance

Conventional Rate-and-Term Refinance

Change your rate or loan term without taking significant cash out of your home.

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Conventional refinance

Conventional Cash-Out Refinance

Replace your mortgage with a larger conventional loan and access eligible home equity.

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FHA refinance

FHA Streamline Refinance

A refinance option for an existing FHA loan with streamlined documentation requirements.

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FHA refinance

FHA Rate-and-Term Refinance

Refinance into an FHA-insured mortgage to adjust your financing without a cash-out goal.

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FHA refinance

FHA Cash-Out Refinance

Use an FHA-insured refinance to access eligible equity in your primary home.

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Second mortgage

Home Equity Loans

Access equity as a lump sum with a separate loan while keeping your existing first mortgage.

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HELOC

Home Equity Lines of Credit

Explore a revolving line of credit secured by your home, including draw and repayment periods.

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Home Loans for Retirement

Whether you're downsizing, buying your next home, or exploring ways to use your home equity, let's find financing that supports the retirement you envision.

Home equity in retirement

Reverse Mortgage

Explore equity options for eligible older homeowners, including repayment timing and ongoing property responsibilities.

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Your next home in retirement

Reverse Mortgage for Purchase

Explore using a reverse mortgage to purchase your next primary home. Let's review your down payment, eligibility, and ongoing homeowner responsibilities.

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Age 55+, subject to state eligibility

Hybrid Reverse Mortgage

Required partial-interest payments for 10 years, then no required principal-and-interest payment. Property expenses continue. Refinance only; availability must be confirmed.

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Lump-sum reverse mortgage

HomeSafe Standard

Explore a proprietary reverse mortgage for an eligible primary-home purchase or refinance, with a lump-sum structure.

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First-time reverse mortgage borrowers

HomeSafe Intro

An option designed to help eligible first-time reverse borrowers who would otherwise need additional funds to close.

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Reverse mortgage line of credit

HomeSafe Select Intro

Explore a proprietary line-of-credit option with its own initial draw, qualification, and state availability requirements.

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Keep your existing first mortgage

HomeSafe Second Mortgage

Access eligible equity with a reverse second mortgage. Your first-mortgage payments and property expenses continue.

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Renovation Loans

Plan your project in the Remodel Your Home Hub →

Conventional renovation financing

HomeStyle Renovation Loans

Combine a home purchase or refinance with eligible renovation costs in one conventional mortgage.

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Purchase or refinance with repairs

FHA 203(k) Renovation Loans

Combine a home purchase or refinance with financing for eligible repairs and improvements.

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Buying Your Dream Home

A more flexible move

Buy Before You Sell

Explore a coordinated purchase-and-sale solution so you can pursue your next home before your current home sells.

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Put your equity to work

Bridge Loans

Explore short-term financing that may help provide funds for your next purchase while you prepare to sell.

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Build within conforming limits

Conventional One-Time-Close Construction Loans

Combine an eligible custom build and permanent conventional mortgage with one closing. Primary-home and eligible second-home options.

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A lower-down-payment option

FHA One-Time-Close Construction Loans

Build an eligible primary home with FHA construction-to-permanent financing, subject to county loan limits and mortgage insurance.

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Build with your VA benefit

VA One-Time-Close Construction Loans

One-time-close construction financing for eligible Veterans and service members building a primary home.

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Build in an eligible rural area

USDA One-Time-Close Construction Loans

Explore construction and permanent financing for eligible rural properties and households within USDA income limits.

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For a larger financing need

Jumbo Construction-to-Permanent Loans

A separate custom-construction path for higher loan amounts, with individually reviewed construction and permanent financing terms.

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Room for a bigger vision

Jumbo Home Loans

Explore financing above your county's conforming loan limit, with options for higher-priced homes.

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For an exceptional financing need

Super Jumbo Loans

Explore select financing options for qualifying loan amounts beyond the standard jumbo range.

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Understand your payment timeline

7/6 Adjustable-Rate Mortgage

An initial rate fixed for seven years, followed by potential adjustments every six months.

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Loan Programs for Real Estate Investors

Rental property financing

DSCR Rental Property Loans

Investment property financing that evaluates rental income against the property's debt payments.

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Investment renovation projects

Fix-and-Flip Loans

Financing for purchasing, improving, and reselling an investment property.

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Alternative investment financing

Private Money Loans

Alternative financing for investment opportunities, with property, costs, and repayment plans at the center.

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Build an investment property

Ground-Up Construction Loans

Explore financing for a new investment-property build, from project planning through construction.

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Recently acquired rental properties

No-Seasoning DSCR Loans

Explore refinance options for recently acquired rentals, with program-specific valuation and eligibility rules.

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U.S. rental property investment

Foreign National DSCR Loans

Rental-property financing options for eligible foreign national investors, based on property cash flow.

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Compare cash-flow options

Interest-Only DSCR Loans

Explore an initial interest-only payment structure and understand how payments change afterward.

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Explore a longer loan structure

40-Year DSCR Loans

Compare a 40-year DSCR option, including its payment schedule, principal repayment, and total interest.

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Two- to four-unit properties

Multi-Family Loans

Explore financing for a small multi-unit property, including options to live in one unit and rent the others.

Read the related guide →