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Loan type

Key

benefits

Conventional

fixed-rate loans

The lowest fixed rates

for eligible buyers

No interest-rate

surprises

Worth

considering

if you...

Plan to stay in your

home for a long time

Have an established

credit history

Can put at least

5% down on a home

The lowest short-term

rates

Initial lower monthly

payments

Initial rate periods of

3-10 years, then rates can adjust up or down

Adjustable-rate

mortgages

(ARMs)

Know you'll be moving within the next few years

Have an established credit history

Can put at least

5% down on a home

EAD card holder

Program

Fixed-rate loans and Adjustable-rate mortgages(ARMs)

F1 visa OPT Status

Hard money loan

Non-owner Occupied Only

75-80% LTV

$100K- $ 5 Million

Interest only payments

No income required

Bank statements only

No Minimum FICO

requirements

No VISA required

Closing in 10 business days

Investors that fix & flip properties quickly

Need money for any emergency situation

Bridge loan

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