Understand your options
Loan Paths & Payment Models
Different lives need different money tools. This page puts language around common options so conversations with a lender feel less confusing.
Common Loan Types
- Conventional loans for many buyers with solid credit and savings
- FHA loans that can ease down payment and credit requirements
- VA loans for eligible veterans and active service members
- USDA loans for certain rural areas with specific guidelines
- Renovation and new construction loans for special projects
Payment Models to Think Through
It's not just about the sticker price. Together with your lender you can talk through:
- Monthly payment that still lets you breathe
- How interest rate and term change that payment
- What happens if taxes or insurance change
- Where extra payments could shorten the loan
A Gentle Reminder
Your lender will always be the one to give you exact numbers and loan advice. This page is education only so you can show up to that conversation feeling ready and steady.