Home Purchase: Mortgage Options For Home Buyers

The right home loan can open doors to buying your first house or moving to a pricier property. Explore mortgage options, tools and resources to fit your home-buying needs.

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Explore Your Options 

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Explore Home Loans

There’s no one-size-fits-all mortgage. Explore your home loan options to find the right fit for your budget, goals and lifestyle.

Conventional Loan
Conventional loans are the most common type of mortgage and are ideal for borrowers with good credit and a stable income. They offer flexible terms and competitive rates.
FHA Loan
FHA loans have more flexible eligibility requirements compared to conventional loans, so they can be good options for home buyers with lower credit scores who prefer to make a smaller down payment.
VA Loan
Qualified service members, veterans and their surviving spouses can finance up to 100% of their home’s value.
Jumbo Loan
Jumbo loans help people buy homes that are too expensive for conforming conventional loans to cover.
USDA Loan
Eligible borrowers can buy a rural home with no down payment required.


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Learn more about how buying a home works, when it makes sense and what you need to do to get approved.

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Frequently Asked Questions

Here are answers to common questions about buying a home.

Your budget depends on income, debt, interest and tax rates, and down payment. Try our Home Affordability Calculator to see what fits your finances.
You’ll generally need a steady income, good credit history and manageable debt levels. Lenders also look at your down payment and savings.
Conventional loans are the most common, but many first-time buyers choose FHA or VA loans for their lower down payments and flexible requirements. The “best” loan depends on your situation and long-term goals.
Yes. A construction loan can finance building your dream home from the ground up. Once the home is complete, you can often convert the loan to a traditional mortgage.