01
FHA Loan
Government-backed, low down payment
Best for · First-time & lower-credit buyers
POPULAR LOAN REVIEW GUIDE
Pick your path
02
FHA Down Payment Assistance Loan
FHA financing + help with the cash to close
Best for · Buyers short on upfront cash
03
FHA Zero Down Payment
Best for home buyers short on money for down payment
Best for · Home buyers short on money for down payment
04
Conventional Conforming Loan
Within Fannie Mae / Freddie Mac limits
Best for · Buyers with solid credit & standard budgets
05
Non-Conforming Loan
Above conforming limits or non-standard
Best for · High-value homes & strong finances
06
Construction-to-Perm Funding
Build, then convert to a mortgage—one closing
Best for · Buyers building a new home
07
Investor Loans
Financing for rental & income property
Best for · Landlords & rental investors
08
Bridge Loans
Short-term gap between buying & selling
Best for · Buying before your current home sells
09
Hard Money Loans
Fast, asset-based private financing
Best for · Flippers & time-sensitive deals
The universal get-ready checklist.
No matter which loan you choose, loan approvals get approved faster when borrowers are prepared.
✓ Check & strengthen your credit score
✓ Lower your debt-to-income ratio
✓ Save for down payment + closing costs
✓ Build 2–6 months of cash reserves
✓ Gather W-2s, pay stubs & tax returns
✓ Avoid new debt before closing
✓ Get pre-approved early
✓ Document the source of every deposit