Home loan options to fit your future
From first-time homebuyer programs to self-employed bank statement loans, we provide the expert guidance and diverse loan options you need to secure your home with confidence.
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Match me to a loanPopular home loans at a glance
Typical minimums. Your Moxie loan officer will confirm what you qualify for.
| Loan type | Best for | Down payment | Credit score |
|---|---|---|---|
| Conventional | Buyers with steady credit and income | As low as 3% | 620+ |
| VA | Eligible veterans and service members | 0% | No minimum |
| FHA | First-time buyers, lower credit or savings | 3.5% | 580+ (as low as 500 with Moxie) |
| Non-QM | Self-employed and investors | 10%–25% | 660+ |
| Jumbo | Loans above $832,750 (2026 limit, most areas) | Often 10%–20% | Varies by program |
| USDA | Buyers in USDA-designated rural areas | 0% | 640+ |
Explore every loan option
Conventional and jumbo loans
The most widely used mortgages, with fixed or adjustable rates.
Conventional 30 Year Fixed
The most popular loan for buying or refinancing a home, offering a fixed rate for 30 years, down payments as low as 3%, and options with no mortgage insurance.
Ideal for: Most buyers and refinancers
Conventional 15 Year Fixed
A shorter term means higher monthly payments, but lower interest paid overall. Buy with as little as 5% down or choose options with no mortgage insurance.
Ideal for: Paying less interest overall
Conventional Adjustable Rate (ARM)
Start with a fixed rate for 5, 7, or 10 years, which adjusts every 6 months thereafter. This could offer a lower interest rate and savings compared with a fixed-rate option.
Ideal for: Buyers planning to move or refinance
Jumbo
Buy or refinance beyond conventional loan limits ($832,750 for a single-family home in most areas in 2026) with many options not requiring mortgage insurance.
Ideal for: Higher-priced homes
Government-backed loans
Low or no down payment programs backed by FHA, VA and USDA.
FHA
Buy or refinance with as little as 3.5% down. FHA offers lower credit requirements and allows for higher debt limits than other products.
Ideal for: First-time buyers and lower credit
VA
Those with military service benefits can buy or streamline refinance with as little as 0% down and often with a lower interest rate than other options.
Ideal for: Veterans and service members
USDA
Eligible individuals can buy or refinance in a USDA-designated rural area with as little as 0% down and often a lower interest rate than other options.
Ideal for: Rural and suburban buyers
Down Payment Assistance
Designed to make homeownership more affordable by reducing or eliminating the need for a down payment.
Ideal for: Buyers short on cash to close
Self-employed and alternative income loans
Non-QM options that qualify you without W-2s or tax returns.
Bank Statement Loan
Qualify using 12–24 months of bank deposit statements instead of W-2s or tax returns. Ideal for self-employed individuals who claimed tax write-offs in prior years.
Ideal for: Self-employed with tax write-offs
P&L Loan
Qualify using profit and loss statements rather than tax returns or W-2s, offering self-employed borrowers flexibility for fluctuating income and potentially higher loan amounts.
Ideal for: Business owners with variable income
Asset Utilization
Qualify using liquid assets (like savings or investments) as income, rather than traditional employment or W-2 income. Ideal for retirees and high-net-worth individuals.
Ideal for: Retirees and high-net-worth buyers
No Doc Loan
Qualify for a mortgage without income or employment documentation, relying instead on factors like your credit score, assets, and down payment.
Ideal for: Acquiring property with minimal underwriting
Investor and specialty loans
Financing for rentals, fixer-uppers, land, and buying before you sell.
Debt Service Coverage Ratio (DSCR)
Invest in real estate based on the property's cash flow rather than your personal income, meaning no tax returns or W-2s are required.
Ideal for: Real estate investors
Purchase + Renovation Loan
Finance both the purchase and renovation of a property with a single mortgage. Ideal for buying fixer-uppers.
Ideal for: Fixer-uppers
Land Loan
Buy raw land with the option to also include up to 100% financing for the construction of a home.
Ideal for: Building your own home
Bridge Loan
Buy before you sell your current home with a short-term loan that enables you to make a non-contingent offer.
Ideal for: Buying before you sell
Home equity loans
Tap your equity without refinancing your first mortgage.
Home Equity Line of Credit (HELOC)
Use your home equity to get access to cash, pay interest only on the amount used, typically at interest rates lower than credit cards or personal loans.
Ideal for: Flexible, ongoing access to cash
Home Equity Loan (HELOAN)
Use your equity to get a lump-sum amount with a fixed interest rate and predictable monthly payments, ideal for financing renovations or debt consolidation.
Ideal for: Renovations or debt consolidation
DSCR Home Equity Loan
(DSCR HELOAN)
Tap the equity in your investment property for a lump sum, qualifying on the property's rental income instead of your personal income. No tax returns or W-2s required.
Ideal for: Investors funding their next property or renovations
No matter your current situation or future goals, Moxie has you covered.
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