Loan programs
Plain-English guides to the loan types a buyer, homeowner or investor may hear about. Each page covers what it is, who it may fit, and what to ask a lender.*
Tap or click any program below to read about it.
VA loans
A VA-backed loan with no down payment for many buyers, and no monthly mortgage insurance.
FHA loans
A mortgage insured by the Federal Housing Administration, often used by buyers with a smaller down payment.
USDA loans
A USDA-backed loan for eligible homes in eligible areas, with no down payment required.
Jumbo loans
A mortgage larger than the conforming loan limit for the county.
Self-employed and bank statement loans
Ways self-employed buyers can document income, including bank statements.
Investment property and DSCR loans
Loans for rental property, including DSCR loans that look at the rent the property brings in.
Reverse mortgages (HECM)
A federally insured loan that lets homeowners age 62 and older borrow against home equity, with required counseling first.
* General information only, from official sources listed on each page. Not a loan offer or a commitment to lend. Programs, limits and fees change. Which programs are available, and on what terms, depends on the lender, the property and your situation, and approval is not assured. Sinjo Thomas is licensed in Texas. See disclosures.