Loan Options
Understand your options. Choose with confidence.
Every homebuyer's situation is different. Your goals, your finances, and your credit profile all play a role in determining the right loan. This page explains your options clearly, so you can move forward with confidence. Without the stress or the guesswork.
Check If You QualifyLenditHome Powered By Alpha Home Lending, Inc.
Serving Utah, Florida, Idaho, Pennsylvania, and Texas.
Purchase.
Loans for buying a home, whether it is your first or your next.
Conventional
Best for buyers with good credit and money to put down. 5% down is typical.
Conventional loans →Jumbo
For homes priced above standard loan limits. Down payment from 10%, with stronger credit and cash reserves.
Check this option →First Time Home Buyer
Popular loan programs and a clear path for first time home buyers.
Buying your first home →Low Down Payment Options
Explore options that may make you a homeowner with a low down payment.
Low down payment options →Refinance.
Replace your current loan with one that fits your life today.
Rate and Term Refinance
Refinancing may lower your monthly payment by taking advantage of lower rates or different loan terms.
Refinance options →Cash Out Refinance
Consolidate high interest debts or get cash back by using your home equity.
Cash out refinance →Get loan ready.
Five numbers decide most loan decisions. Understand yours before you apply.
Credit
Understanding your credit scores will help you get the best rate and loan program.
Credit explained →Debt to Income
Reducing your monthly debt payments helps make the loan process stress free. Run your own ratio.
Debt to income calculator →Income
Not all income counts as income. Learn what income can be used to qualify for your home loan.
Income explained →Loan to Value
See how your down payment or existing equity impacts your loan options. Run your own ratio.
Loan to value calculator →FAQs
Frequently asked questions, answered plainly. Call us if you cannot find your answer.
Read the FAQs →Not sure which option fits you?
That is exactly what the checker is for. Run your numbers and see your options side by side, in about 2 minutes.
Check If You QualifyPrefer to talk? Call Austin at (208) 821-0687.