Interactive Mortgage Payment Calculator
Adjust home price, down payment, rate, taxes, and fees to see your exact monthly PITI payment in real time.
Estimated Max Housing Payment & Qualification Status
Find Your Best Loan Options
Answer 4 quick questions to see which loan programs fit your financial situation best. (Click any step to change your answers anytime)
What is your primary buying goal?
What is your estimated credit score tier?
Do any of these special statuses apply to you?
Your Top Recommended Loan Matches
Based on your selections, here are your best-fit loan programs:
Interactive Buyer Pre-Approval Checklist
Know exactly what documents you need to get pre-approved quickly without delays.
Mortgage Loan Types Breakdown
Compare the key features and daily average rates of major home loan programs side-by-side.
Conventional Loan
The standard choice for buyers with good to excellent credit.
- Min Down Payment: 3% for first-time buyers
- Min Credit Score: 620
- PMI Rule: PMI drops automatically at 20% equity
- Best For: Primary homes, second homes, & investments
FHA Loan
Government-backed loan offering flexible credit guidelines.
- Min Down Payment: 3.5%
- Min Credit Score: 580+ (500-579 with 10% down)
- PMI Rule: Low upfront & monthly MIP
- Best For: Buyers building credit or higher DTI ratio
VA Military Loan
Exclusive zero-down payment benefit for active military & veterans.
- Min Down Payment: 0% Down
- Min Credit Score: Flexible (typically 580+)
- PMI Rule: NO monthly PMI payments ever
- Best For: Eligible service members & veterans
USDA Rural Loan
100% financing for properties in qualified suburban/rural areas.
- Min Down Payment: 0% Down
- Min Credit Score: 640 preferred
- PMI Rule: Very low annual guarantee fee
- Best For: Buyers purchasing in designated areas
Second / Vacation Home
Conventional 10% down loan for secondary or vacation residences.
- Min Down Payment: 10% Down
- Min Credit Score: 640+
- Occupancy Rule: Must be occupied for personal use at least 14 days per year
- Best For: Beach houses, mountain cabins, or seasonal retreats
DSCR Investor Loan
Qualify based on rental property cash flow instead of personal income.
- Min Down Payment: 15% – 20% Down
- Min Credit Score: 640+
- Income Rule: NO W-2s, paystubs, or tax returns required
- Best For: Real estate investors & portfolio buyers
Bank Statement Loan
Non-QM qualification using 12–24 months of business bank deposits.
- Min Down Payment: 10% – 15% Down
- Min Credit Score: 660+
- Income Rule: Qualify on business/personal bank deposit averages
- Best For: Business owners, 1099 freelancers, & entrepreneurs
