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
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Start with lower-down-payment and plain-language program guidance, then compare or ask for help before you apply.
Your path
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Common questions
Answers before you're ready to talk
When should I refinance?
<p id="">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.</p><p>For more information read our article <a href="/articles/refinance">Refinance</a></p>
What’s the minimum down payment?
<p id="">Most DSCR loans require at least <strong id="">20–25% down</strong>, though this can vary by lender.</p>
Not Sure Which Program Fits?
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