A home equity line of credit (HELOC) lets you borrow against available equity with your home as collateral.

A USDA home loan is a zero-down-payment mortgage for home buyers in eligible towns and rural areas. USDA loans are guaranteed by the USDA Rural Development Guaranteed Housing Loan Program, a part of the U.S. Department of Agriculture. Most USDA loans are issued by partner lenders, though the department can grant them directly to qualified borrowers with incomes below a certain limit.

VA loans are an excellent mortgage option for qualified veterans, service members and their spouses. VA loans are a cost-effective option because there’s no down payment requirement in most cases – and they often come with lower interest rates. Because of their more lenient requirements, VA loans are also great for people who have had past credit problems or have a high debt-to-income ratio.

The money you put "down" or the down payment on your home loan can be one of the largest hurdles for many first-time homebuyers. That's why Down Payment Assistance Programs offers several options for down payment and closing cost assistance. This type of assistance is often called a second or subordinate loan. CalHFA's subordinate loans are "silent seconds", meaning payments on this loan are deferred so you do not have to make a payment on this assistance until your home is sold, refinanced or paid in full. This helps to keep your monthly mortgage payment affordable.

If you are an undocumented immigrant and do not have a social security number and need a mortgage to purchase a home, there is a program for you. The ITIN home loan is the program you are looking for and it does not require a social security number. All you need is your ITIN Card (Individual Tax Identification Number) and you are on your way to home ownership.

A non-qualified mortgage is a type of mortgage that doesn’t conform to certain standards set by the Consumer Financial Protection Bureau (CFPB). These standards prohibit specific loan features, like balloon payments, and mandate criteria lenders must use to evaluate applicants’ finances and ability to repay. Asset-based loans and no-income loans are common examples of non-QM loans.

FHA loans are backed by the Federal Housing Administration, an agency under the jurisdiction of the U.S. Department of Housing and Urban Development (HUD). FHA loans are insured by the FHA, which simply means that the owners of your mortgage are protected against loss if you default on your loan.

A conventional loan is a popular mortgage option for homebuyers seeking flexibility and competitive terms, offered by private lenders like banks or credit unions and not backed by a government agency. Typically requiring a minimum credit score of 620 and a down payment as low as 3% (though 20% avoids private mortgage insurance), it’s ideal for those with solid credit and stable finances who want to finance their dream home—whether a cozy starter house or a forever family retreat. Conventional loans come in fixed-rate varieties, locking in your interest rate for predictable payments over 15, 20, or 30 years, or adjustable-rate options that start lower but fluctuate with market trends, giving you choices tailored to your budget and goals. With fewer restrictions than government-backed loans like FHA or VA, it’s a go-to for buyers ready to take the plunge into homeownership with a straightforward, customizable path—perfect for making that house-hunting vision a reality!