Most flexible terms
- Purchase or refinance
- Primary, second home, or investor paths may exist
- Ask about current county limits
Loan programs
A loan path built around your goal.
From first-time buyers to seasoned investors, RAMWM can help you compare common mortgage options and move to a secure application flow.
Compare
ApplySide-by-side at a glance.
These summaries are educational. Minimum credit scores, down payments, occupancy rules, rates, fees, and documentation requirements can change by lender, investor, state, property type, and borrower scenario.
Accessible entry point
- Government-backed option
- Popular for first-time buyers
- Mortgage insurance required
Military benefit
- Eligible veterans, service members, spouses
- No monthly PMI
- VA funding fee may apply
Higher-balance loans
- For loan sizes above conforming limits
- Reserve requirements may apply
- Documentation reviewed carefully
Qualify on property income
- Investment-property oriented
- Rental income analysis
- Not for every borrower
The full lineup
Common programs to discuss.
Conventional Loan
For borrowers seeking competitive fixed or adjustable options with strong documentation.
- Use case
- Purchase/refi
- Best for
- Flexible terms
FHA Loan
Government-backed option that may support qualified borrowers with more flexible credit profiles.
- Use case
- Primary home
- Best for
- First-time buyers
VA Loan
For eligible veterans, active-duty service members, National Guard/Reserve members, and qualifying spouses.
- Use case
- Primary home
- Best for
- Eligible military
USDA Loan
For eligible properties and borrowers in qualifying rural/suburban areas, subject to USDA rules.
- Use case
- Eligible areas
- Best for
- Rural/suburban
Jumbo Loan
For higher-value homes that exceed standard conforming loan limits.
- Use case
- Larger loans
- Best for
- High-value homes
Bank Statement Loan
Alternative documentation path for eligible self-employed borrowers, depending on lender/investor rules.
- Use case
- Self-employed
- Best for
- Business owners
HELOC & Home Equity
Options for eligible homeowners seeking access to home equity for renovation, debt consolidation, or reserves.
- Use case
- Equity access
- Best for
- Homeowners
Refinance
Explore rate/term refinance, cash-out refinance, or term restructuring if it fits your goals.
- Use case
- Existing loans
- Best for
- Payment strategy
Next step
Get Pre-QualifiedNot sure which program fits?
Send a request and a RAMWM loan professional can review your goals.