LOAN OPTIONS

Your goals come first.
The loan follows.

Start with what you're trying to accomplish. We'll talk through the possibilities, the costs, and the next steps.

Buying a home ↓Refinancing ↓What to compare ↓

01 / BUYING A HOME

Make room for your next move.

These are common loan categories to discuss.
Availability and eligibility vary.

A PLACE TO START

Conventional

Mortgages outside government-backed programs. Discuss how your credit, down payment, and property affect your options.

GOVERNMENT-BACKED

FHA

A loan category with its own eligibility and mortgage-insurance requirements. Ask how the full cost compares with other options.

MILITARY & VETERANS

VA

For eligible veterans, service members, and certain surviving spouses. Eligibility and lender requirements apply.

LARGER LOAN AMOUNTS

Jumbo

Financing above applicable conforming loan limits. Documentation, reserves, and other requirements depend on the program.

These descriptions are general education, not a quote or a statement that a specific program is available to you. Explore the CFPB's guide to loan options ↗

Talk about buying

02 / REFINANCING

A fresh look
at your mortgage.

Your goals may have changed since you bought your home. Let's look at whether a different loan makes sense for where you're headed.

Discuss your current loan

Monthly payment

Compare payment changes alongside the loan term and total cost.

Loan structure

Consider the tradeoffs between loan terms and rate types.

Home equity

Discuss equity-related goals and the costs of borrowing against your home.

Refinancing involves costs and may increase total finance charges over the life of the loan. A lower payment alone does not establish that a refinance saves money.

03 / SEE THE BIG PICTURE

Look beyond the rate.

A good conversation covers the whole loan.

Monthly payment

Consider principal, interest, taxes, insurance, and any other housing costs.

Upfront costs

Understand closing costs, fees, and cash needed to close.

Loan term

Compare the payment and total interest over different repayment periods.

Your timeline

Think about how long you expect to own the home or keep the loan.

YOUR NEXT CHAPTER STARTS HERE

Let's talk about
what's possible.

A new home. A new plan. A question you've been meaning to ask. Start with a conversation.

Talk with Sina

Your goals come first.The loan follows.