Loan Programs
From standard purchase loans to specialized Fannie Mae and Freddie Mac programs, conventional financing offers competitive options for buying, refinancing, and renovating, including affordable homebuyer programs, high-balance loans, and renovation and energy-efficiency options.
Program Overview
Watch this short overview to see how these programs work and whether they could be a fit for your goals.
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Loan Options
Standard mortgage not backed by the government. Competitive rates and flexible terms for well-qualified borrowers.
Refinance to improve your interest rate, your loan term, or both. Little to no cash taken out.
Replace your mortgage with a larger one and receive the difference in cash. Useful for renovations, debt consolidation, or major expenses.
Conforming loan option for areas where home prices exceed the standard conforming limit. Suitable for higher-priced properties.
Affordable conventional option for low-to-moderate-income borrowers with flexible credit and income features.
Affordable conventional option for low- to moderate-income borrowers with flexible qualification and homebuyer education.
First-time buyer program with simplified conventional financing and no geographic or income caps.
Refinance option aimed at lower-income borrowers with simplified underwriting to help reduce monthly payments.
Refinance option aimed at lower-income borrowers with streamlined requirements to help lower payments.
Buy or refinance and roll approved renovation costs into a single conventional loan. Works for small updates or major projects.
Conventional mortgage that finances home repairs or improvements within the loan. Can pair with other Freddie programs when eligible.
Streamlined renovation option for smaller-scale projects under the CHOICERenovation umbrella.
Conventional mortgage feature that finances energy or resiliency upgrades as part of a purchase or refinance. Can complement HomeStyle Renovation.
Is It Right for You?
Every financial situation is different. Our team will review your goals and help you compare options side by side.
Let’s Talk
Our team will walk you through the programs that fit your goals and answer every question along the way.
