Everything you need
to make a winning offer.

Conventional loans account for roughly 70% of all home purchase loans. In 2026, the standard loan limit is $806,500, the minimum credit score is 620, and down payments start at just 3%. Here's everything you need to qualify.

For millions of Americans, an FHA loan is the key that unlocks homeownership. Backed by the Federal Housing Administration, FHA loans help buyers who might not qualify for a conventional mortgage — particularly those with lower credit scores or limited down payment savings.

If you've served in the military, a VA home loan is one of the most powerful benefits available to you. Backed by the U.S. Department of Veterans Affairs, VA loans offer no down payment, no private mortgage insurance (PMI), and competitive interest rates — advantages that can save veterans tens of t

If you're buying a home in a rural or suburban area and want to skip the down payment entirely, a USDA loan might be the best-kept secret in mortgage financing. Backed by the U.S. Department of Agriculture, USDA loans offer zero down payment, competitive interest rates, and flexible credit requirements — and they're available to more buyers and in more areas than most people realize.

One of the biggest myths about buying your first home is that you need a 20% down payment saved up before you can get started. The reality in 2026 is very different: there are dozens of programs — national, state, and local — designed to help first-time buyers get into a home with less money down.