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