The right strategy starts with the right options.
First home, next home, vacation home or investment property. Here is a plain-English look at the main financing choices and what usually decides which one fits.
Request my strategy reviewThe main choices
First-time buyer & assistance options
Programs that can help with down payment or closing costs. Terms vary, and some assistance must be repaid.
Conventional financing
A common choice for buyers with steady income and established credit. Down payment and mortgage insurance depend on your situation.
FHA, VA & USDA
Government-backed loans, each with its own rules. VA serves eligible veterans and service members. USDA covers eligible areas outside city centers.
Second & vacation homes
Financing for a home you use part of the year, with its own down payment and occupancy rules.
Physician loans
Specialized programs for eligible medical professionals.
Investment property options
Financing for rental property, with stricter requirements than a home you live in.
What usually determines the fit
- How long you plan to stay in the home
- How much you want to put down versus keep in savings
- Your credit, income and the documents behind them
- The type of property and how you will use it
- Monthly payment comfort versus total cost over time
Request my strategy review
Not sure which one fits? A short conversation usually narrows it to one or two.
This is a short request, not a mortgage application. No credit check.
Prefer to reach out directly?
Eric, Haley and Sue bring mortgage know-how and local relationships to the table. Call or email any of them.
