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Which Mortgage is Right for You?
Explore the loan programs available to help you buy or refinance.
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.
Mortgage Rate Options
Fixed Rate
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.
Adjustable ARM
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions.
Interest Only
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period.
Loan Program Options
Conventional Loans
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
FHA Home Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA Loans
VA loans are mortgages guaranteed by the Department of Veterans Affairs. These loans offer military veterans exceptional benefits, including low interest rates and flexible qualifying terms.
Jumbo Loans
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan.
Get Your Mortgage Questions Answered Today!
Talk with a Saxton loan specialist about which program fits your goals.
Call (800) 432-1154Explore Our Loan Programs
Find the program that fits your goals, from jumbo and conventional to self-employed and home equity.
FHA, USDA & Government
- FHA Home Loan
- Low Credit Score FHA Loan
- FHA Manufactured Home Loan
- FHA Construction Loan
- FHA Streamline Refinance
- USDA Rural Loan
- USDA Manufactured Home Loan
- USDA Construction Loan
- USDA Streamline Refinance
- FHA Rate and Term Refinance
- FHA Cash-Out Refinance
- FHA High Balance
- FHA 203(h) Disaster Victims Loan
- HUD Section 184 Loan
- USDA Rehab and Repair Loan
- USDA Loans With Lower Credit Scores
- Home Loans For Well And Septic Homes
- Buy A Home With A Housing Voucher
- FHA 203(k) Renovation Loan
- USDA Income Limits
- FHA Condo Loan
- Buying A HUD Home With FHA
- Good Neighbor Next Door Program
VA & Military
- VA Home Loan
- Veteran Home Loan Center
- Low Credit Score VA Loan
- VA Manufactured Home Loan
- VA IRRRL Streamline Refinance
- VA Cash-Out Refinance
- VA High Balance
- VA Joint Loan
- VA Loan With Your Spouse
- VA Modular Home Loan
- VA Escrow Holdback
- VA Loan Benefits for Surviving Spouses
- VA Loan vs FHA Loan
- VA Loan for a Multi-Unit Home
- VA Funding Fee Exemptions
- Mortgage With Military Income
- Second VA Loan
Jumbo Loans
Conventional & Agency
- Conventional Loan
- Low Down Payment
- HomeReady
- Remove PMI Refinance
- Low Down Payment Conventional
- New Construction Loan
- First-Time Home Buyer
- Move-Up Buyer
- Second Home
- Downsizing
- Down Payment Assistance
- Low Cash To Close
- Gift of Equity
- Co-Borrower Loan
- Non-Arm’s-Length Purchase
- Adjustable Rate Mortgage
- Temporary Rate Buydown
- Extended Term Interest Only
- Interest Only
- Boarder Income
- Buying With Cryptocurrency
- Buying a Flipped Home
- HomeStyle Renovation
- Additions & Converted Garages
- ADU Financing
- Manufactured Home
- MH Advantage
- Condominium
- Non-Warrantable Condo
- Cooperative
- Rural Property
- High Debt-to-Income Home Loan
- Home Loan With No Credit Score
- Manual Underwriting
- Mortgage With an IRS Payment Plan
- Mortgage After a Forbearance
- Mortgage After A Loan Modification
- Using Business Funds for a Down Payment
- Using Gift Funds for a Home Loan
- Seller-Paid Closing Costs
- Mortgage Credit Certificate
- Appraisal Waiver
- Transferring an Appraisal
- Escrow Waiver
- Buying a Home in a Living Trust
- Closing With a Power of Attorney
- Buying a Home Without Your Spouse
- Homebuyer Education and Counseling
- Using Retirement and Life Insurance Funds
- Using Foreign Assets for a Down Payment
- Lender-Paid Mortgage Insurance Loan
- HomeOne Mortgage
- Modular Home Loan
- PUD and Townhouse Financing
- Leasehold Property Loan
- Buying or Refinancing in a Flood Zone
- Financing a Home With Solar Panels
- Extended Term Fixed Mortgage
- Conventional Loans With Lower Credit Scores
- Buying A Short Sale Home
- Buy Your Next Home Before You Sell
- How Soon Can You Refinance
- Home Possible Affordable Loan
- High-Balance Conforming Loan
Self-Employed & Alt-Doc
- Flexible Home Loan
- 1099 Income Loan
- Bank Statement Loan
- Self-Employed Home Loan
- Self-Employed Less Than Two Years
- 24 Month Bank Statement Loan
- Profit & Loss Loan
- Asset Depletion Loan
- No Income Verification Loan
- ITIN Home Loan
- 12 Month Bank Statement
- WVOE Loan
- Expanded Prime
- Fresh Start After Credit Event
- Foreign National
- One-Year Tax Return Loan
- Overtime, Bonus and Commission Income
- RSU and Stock Compensation Income
- Retirement, Pension and Social Security Income
- Trust, Note and Investment Income
- Alimony and Child Support Income
- Grossing Up Non-Taxable Income
- New Job Offer Letter Home Loan
- Medical Professional Loan
- Visa Holder and Permanent Resident Home Loan
- Home Loan After Moving To The U.S.
- Home Loans For Asylees
- DACA Home Loan
- Collections and Charge-Offs
- Employment Gaps and Returning to Work
- Debt Someone Else Pays
- Buying a Home With No Rental History
- Non-QM Loans For Lower Credit Scores
- Mortgage With Foreign Income
- Mortgage With Second Job Income
- Mortgage With Seasonal Income
- Mortgage When You Work For A Family Business
- Mortgage With Investment Income
- Mortgage With Disability Income
- Mortgage On Maternity Or Medical Leave
- Home Loans For Union Workers
- Large Deposits And Your Mortgage
Home Equity
- HELOC
- Home Equity Loan Options
- First Lien HELOC
- Buy A Home With A HELOC
- Consolidate a HELOC
- Investment Property HELOC
- DSCR HELOC for Rentals
- DSCR Second Lien Loan
- Cash-Out Refinance
- Debt Consolidation Refinance
- Student Loan Cash-Out
- Divorce Buyout Refinance
- Refinance to Lower Your Rate
- Refinance to Pay Off Sooner
- HELOC Without An Appraisal
- Fixed Rate HELOC
- HELOC For Retirees
- HELOC On A Home Listed For Sale
- HELOC Debt Consolidation
- Refinance A HELOC
- HELOC For Home Improvement
- HELOC After Foreclosure
- Online HELOC
- HELOC With A Card
- HELOC With A Co-Borrower
- HELOC After A Late Payment
- High DTI HELOC
- HELOC With Collections
- Piggyback HELOC
- Large HELOC Up To $1,000,000
- Interest-Only HELOC Options
- Home Equity Loan Up To $1,000,000
- Self-Employed Home Equity Loan
- 1099 HELOC For Independent Contractors
- HELOC With No Reserves Required
- HELOC On A Home With An ADU
- HELOC On A Home With Solar Panels
- Short-Term Rental HELOC
- Home Equity Loan In A Disaster Area
- Keeping Your HELOC When You Refinance
- Cash-Out Refinance on a Paid-Off Home
- Second Home HELOC
- Inherited Property Refinance
- Land Contract Refinance
- Refinancing a Home That Was Listed
- RefiNow Refinance
- Refi Possible Refinance
- Bank Statement HELOC
- Non-Permanent Resident HELOC
- Multi-Unit HELOC
- Asset Depletion HELOC
- HELOC After Bankruptcy
- HELOC On Acreage
- HELOC After Buying A Home
- HELOC On A Home Held In A Trust
- One Year Tax Return HELOC
- HELOC On A Condo
- HELOC With A 600 Credit Score
- Small HELOC
- HELOC Draw Requirements
- HELOC With No Prepayment Penalty
- HELOC On An LLC-Owned Property
- Use Your Home Equity To Buy
Reverse Mortgage
- Reverse Mortgage
- Reverse Mortgage Requirements
- Reverse Mortgage Age Requirements
- Reverse Mortgage Income Requirements
- Reverse Mortgage Credit Requirements
- HECM For Purchase
- Reverse Mortgage Refinance
- Reverse Mortgage Line Of Credit
- Reverse Mortgage To Pay Off Your Mortgage
- Reverse Mortgage On A Paid-Off Home
- Reverse Mortgage For A Condo
- Reverse Mortgage For A Manufactured Home
- Reverse Mortgage Counseling
- Reverse Mortgage Limit
- Reverse Mortgage For A Home In A Trust
- Reverse Mortgage Property Requirements
- What Happens To A Reverse Mortgage When You Die
- Can You Lose Your Home With A Reverse Mortgage
- Reverse Mortgage Vs HELOC
- Reverse Mortgage Vs Cash-Out Refinance
- Reverse Mortgage Vs Selling Your Home
- Reverse Mortgage Pros And Cons
- Is A Reverse Mortgage Safe
- Reverse Mortgage For Your Parents
- HECM For A Newly Built Home
- Help A Parent Buy With A HECM
- Reverse Mortgage In A Disaster Area
- Reverse Mortgage In A Flood Zone
- Reverse Mortgage And Nursing Homes
- Reverse Mortgage Set-Aside Explained
- Reverse Mortgage With Tax Liens
- Reverse Mortgage And Rental Property
- Reverse Mortgage Alternate Contact
- Reverse Mortgage And Divorce
Investment Property
- DSCR Rental Income Loan
- Small Balance DSCR Loan
- No Ratio DSCR Loan
- Investment Property Loan
- Short Term Rental Loan
- First Time Investor Loan
- Portfolio Investor Loan
- Investment Cash-Out Refinance
- Delayed Financing
- Multi-Unit Property
- Renting Out Your Current Home
- Buying a Rental Property in an LLC
- ITIN DSCR Investment Loan
- Blanket Loan for Rental Portfolios
- 5-8 Unit Property Loan
- Mixed-Use Property Loan
- Unpermitted ADU Home Loan
- Buying a Rental With Tenants In Place
- Multiple Financed Properties
- Condotel Financing
- Jumbo Investment Property Loan
Qualifying & Closing
- Mortgage Reserves
- Late Payment History
- Subordinate Financing
- Homeowners Insurance Requirements
- Prepayment Penalties
- Higher-Cost Loans
- Title Insurance
- Appraisal Review
- Verbal Verification of Employment
- Appraisal Updates
- Mortgage With Student Loans
- Mortgage During Chapter 13 Bankruptcy
- Mortgage After Chapter 7 Bankruptcy
- Mortgage After A Foreclosure
- Mortgage After A Short Sale
- Mortgage With Disputed Accounts
- Mortgage With A Judgment
- Buying A Home During Credit Counseling
- Earnest Money Deposit Rules
- Authorized User Accounts And Your Mortgage
- Employer Assisted Home Loans
Explore all loan programs
Every Saxton Mortgage loan option, in one place.
- FHA Home Loan
- FHA 203(k) Renovation Loan
- FHA Streamline Refinance
- VA Home Loan
- VA IRRRL Streamline Refinance
- VA Cash-Out Refinance
- Veteran Home Loan Center
- Low Credit Score VA Loan
- VA Manufactured Home Loan
- USDA Rural Home Loan
- USDA Streamlined-Assist Refinance
- Low Credit Score FHA Loan
- FHA Manufactured Home Loan
- FHA Construction Loan
- USDA Construction Loan
- USDA Manufactured Home Loan
- Low Down Payment Conventional
- New Construction Loan
- Jumbo Refinance
- Home Possible Affordable Loan
- HomeReady Affordable Loan
- Conventional Home Loan
- Low Down Payment Home Loan
- High-Balance Conforming Loan
- High-Balance Home Loan
- Jumbo Home Loan
- Jumbo Purchase Loan
- Low-Down-Payment Jumbo Loan
- Jumbo Second Home Loan
- Jumbo Cash-Out Refinance
- Jumbo Two-Unit Loan
- HELOC (Home Equity Line of Credit)
- Bank Statement Home Loan
- 1099 Income Home Loan
- Flexible Home Loan
- Free Home Value Estimate
- Self-Employed Home Loan
- 24 Month Bank Statement Loan
- Profit & Loss Loan
- Asset Depletion Loan
- No Income Verification Loan
- ITIN Home Loan
- Home Equity Loan Options
- First Lien HELOC
- Buy A Home With A HELOC
- Remove PMI Refinance
- DSCR Rental Income Loan
- No Ratio DSCR Loan
- Investment Property Loan
- Short Term Rental Loan
- First Time Investor Loan