Ages Loan Options

Find the Right Loan for Your Goals

From first homes to refinancing, we offer loan programs designed for every stage of life. Not sure which fits? We'll help you choose.

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Explore All Loan Programs

Click any loan type to learn more.

Conventional Loans

Down Payment: 3-20%
Credit Score: 620+
Best For: Buyers with good credit and stable income
Key Benefit: Flexible terms, removable PMI

FHA Loans

Down Payment: 3.5%
Credit Score: 580+
Best For: First-time buyers, limited savings
Key Benefit: Low down payment, flexible credit

VA Loans

Down Payment: $0
Credit Score: Flexible
Best For: Veterans, active military, spouses
Key Benefit: No down payment, no PMI

USDA Loans

Down Payment: $0
Credit Score: 640+
Best For: Rural/suburban buyers
Key Benefit: Zero down for eligible areas

Jumbo Loans

Down Payment: 10-20%
Credit Score: 700+
Best For: High-value properties
Key Benefit: Financing above conventional limits

ARM Loans

Down Payment: Varies
Credit Score: 620+
Best For: Short-term homeowners
Key Benefit: Lower initial rate

Find Loans by Your Goal

Pick your goal and we'll show you the best options.

Buying Your First Home

Best Options: FHA, Conventional 97, VA (if eligible)
‍Why: Low down payment requirements and first-time buyer programs

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Buying a Bigger Home

Best Options: Conventional, FHA, Jumbo
‍Why: Flexible for move-up buyers with equity from previous home

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Refinancing to Save Money

Best Options: Rate-and-Term Refi, VA IRRRL, FHA Streamline
‍Why: Lower rates, reduced payments, less paperwork

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Accessing Home Equity

Best Options: Cash-Out Refinance, HELOC
Why: Tap into equity for renovations, debt consolidation, or investments

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Common Loan Questions

Conventional loans are backed by private lenders and follow Fannie Mae/Freddie Mac guidelines. Government loans (FHA, VA, USDA) are backed by federal agencies and often have more flexible requirements.

No, you'll choose one loan type per property. However, you can have different loan types for different properties.

VA and USDA loans offer 0% down for eligible borrowers. FHA requires 3.5%, and conventional can go as low as 3%.

Most loans with less than 20% down require mortgage insurance (PMI for conventional, MIP for FHA). VA and USDA loans don't have PMI but have funding/guarantee fees.

It depends on your credit score, down payment, property type, and occupancy. We'll help you compare options based on your specific situation.

Ready to Find Your Perfect Loan?

Talk to a loan officer who'll explain your options in plain language and help you choose the right fit.