CommonConventional
Conforming Fixed-Rate Mortgage
Purchase/refinance within conforming limits
47 financing structures
Residential Mortgage & Home Equity
Explore residential mortgage & home equity structures across 18 subcategories, from common products to specialized and lesser-known financing.
CommonConventional
Conforming Adjustable-Rate Mortgage (ARM)
Purchase/refinance with adjustable rate
SpecializedConventional
High-Balance Conforming Mortgage
Higher-cost-area conforming financing
CommonConventional
Jumbo Mortgage
Loan above conforming limits
CommonGovernment
FHA 203(b) Purchase Mortgage
FHA-insured purchase financing
CommonGovernment
VA Purchase Loan
Purchase/build/improve eligible residence
SpecializedGovernment
USDA Section 502 Guaranteed Loan
Rural home purchase through approved lender
SpecializedGovernment
USDA Section 502 Direct Loan
Rural home purchase directly through USDA
SpecializedRenovation
FHA 203(k) Standard Rehabilitation Mortgage
Purchase/refinance plus substantial rehab
SpecializedRenovation
FHA 203(k) Limited Rehabilitation Mortgage
Purchase/refinance plus smaller rehab
SpecializedRenovation
Fannie Mae HomeStyle Renovation Mortgage
Conventional purchase/refi plus improvements
SpecializedRenovation
Freddie Mac CHOICERenovation Mortgage
Purchase/refi plus renovation/resilience work
Worth KnowingRenovation
Freddie Mac CHOICEReno eXPress Mortgage
Streamlined smaller renovation financing
SpecializedConstruction
Single-Close Construction-to-Permanent Mortgage
Construction converts to permanent mortgage at completion
SpecializedConstruction
Two-Close Construction-to-Permanent Financing
Separate construction and permanent closings
SpecializedConstruction
Residential Construction-Only Loan
Build home before obtaining permanent financing
SpecializedLand
Residential Lot Loan
Buy lot for future home construction
Worth KnowingLand
Raw Residential Land Loan
Acquire raw land for later residential development
SpecializedBridge
Residential Bridge Loan
Bridge purchase before sale of existing home
CommonHome Equity
Home Equity Line of Credit (HELOC)
Reusable borrowing against home equity
CommonHome Equity
Closed-End Home Equity Loan (HELOAN)
Lump-sum borrowing against home equity
SpecializedHome Equity
Piggyback Second Mortgage (80/10/10 or similar)
Combine first mortgage + simultaneous second
Worth KnowingHome Equity
Community Seconds Mortgage
Down-payment/closing-cost assistance with first mortgage
Worth KnowingImprovement
FHA Title I Property Improvement Loan
Finance eligible home improvements
CommonReverse
HECM Reverse Mortgage
Convert eligible home equity to proceeds without regular principal-and-interest payments
Worth KnowingReverse
HECM for Purchase
Buy a home using HECM structure
SpecializedReverse
Proprietary / Jumbo Reverse Mortgage
Private reverse mortgage outside HECM limits/rules
Worth KnowingReverse
Single-Purpose Reverse Mortgage
Public/nonprofit reverse mortgage for specified purpose
Worth KnowingManufactured Housing
FHA Title I Manufactured Home Unit Loan
Finance manufactured home without land
Worth KnowingManufactured Housing
FHA Title I Manufactured Home and Lot Combination Loan
Finance unit and land together
Worth KnowingManufactured Housing
FHA Title I Manufactured Home Lot Loan
Finance lot for manufactured home
SpecializedManufactured Housing
Conventional Manufactured-Home Real-Property Mortgage
Conventional financing of manufactured home/land
SpecializedManufactured Housing
Manufactured-Home Chattel / Personal-Property Loan
Finance home separately from land
Worth KnowingManufactured Housing
Fannie Mae MH Advantage Mortgage
Conventional manufactured housing with MH Advantage features
Worth KnowingManufactured Housing
Freddie Mac CHOICEHome Mortgage
Conventional financing for CHOICEHome properties
SpecializedCooperative
Co-op Share Loan
Finance purchase of cooperative apartment interest
SpecializedCondo
Non-Warrantable Condo Mortgage
Finance condo that does not meet agency project standards
SpecializedAssumption
Mortgage Assumption Financing
Buyer takes over eligible seller mortgage
Worth KnowingDisaster
FHA 203(h) Disaster Victim Mortgage
Replace/rebuild principal residence after declared disaster
SpecializedRefinance
FHA Streamline Refinance
Streamlined refinance of eligible FHA loan
SpecializedRefinance
VA Interest Rate Reduction Refinance Loan (IRRRL)
Rate/term refinance of eligible VA mortgage
SpecializedRefinance
VA Cash-Out Refinance
Refinance and extract home equity
SpecializedStructure
Interest-Only Residential Mortgage
Interest-only payment period before amortization
SpecializedStructure
Balloon Residential Mortgage
Amortization with maturity balance due earlier
Worth KnowingStructure
Shared-Appreciation Mortgage
Lower cash financing in exchange for appreciation share
SpecializedHome Equity Alternatives
Home Equity Contract / Home Equity Investment (HEI)
Existing homeowner receives cash now and owes formula-based lump-sum settlement later
Worth KnowingHomebuyer Shared Equity
Homebuyer Shared-Equity / Down-Payment Home Equity Contract
Investor contributes part of buyer's purchase capital in exchange for future home-value participation