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Loan Types

There is no single "best" mortgage — only the loan that fits your goals, credit, and down payment. This hub breaks down FHA, VA, USDA, conventional, jumbo, DSCR, bridge, construction, and renovation loans so you can compare options with confidence and see which programs you may qualify for.

All Loan Types articles & guides

7 min read·Loan Types

How Much Down Payment Do You Need for a Conventional Loan?

The 20% rule is a myth. On a conventional loan you can put down as little as 3% as a first-time buyer or 5% otherwise, with 5% required on high-balance loans. Here is how to find your real down payment number.

7 min read·Loan Types

FHA vs Conventional Loans in 2026: Which One Actually Fits Your Situation?

The right mortgage depends on your credit, your down payment, and how long you plan to keep the loan. Here is a clear breakdown of how FHA and conventional loans actually compare in 2026 so you can make a confident call.

11 min read·Loan Types

The 5-Day Bridge: How I'm Helping My Clients Beat Cash Buyers Using Digital Equity

Your equity is trapped in your current home while your dream house slips away. Commercial bridge loans take 45 days and cost a fortune. I've built a digital HELOC bridge that funds in 5 days at 6.8% APR—here's exactly how it works, with real numbers from real clients.

10 min read·Loan Types

Assumable Mortgages: The Time Machine of Real Estate

Discover how assumable mortgages let you take over a seller's low-rate FHA or VA loan. Learn the equity gap math, servicer timelines, and whether this strategy makes sense for your situation.

15 min read·Loan Types

The Family Opportunity Mortgage: How to Buy a Home for Your Parents or Children with Primary Residence Perks

Discover how the Family Opportunity Mortgage allows you to purchase a home for aging parents, adult children, or disabled family members with just 5% down and primary residence rates—saving tens of thousands compared to investment property financing.

12 min read·Loan Types

From Fixer-Upper to Forever Home: How Renovation Loans Build Instant Equity and Save You Money

Discover how renovation loans let you buy a fixer-upper, finance repairs, and build instant equity—all in one mortgage. Compare renovation loans vs. HELOCs vs. cash renovations with real numbers.

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