Home Loan Programs
Explore all loan options
From first-time buyer programs to jumbo financing and investor loans — we have a solution for virtually every borrower profile and property type.
Loan Categories
Six ways we help you finance a home
Each category covers a different borrower situation. Click into any loan type to see rates, requirements, and how to qualify.
Conventional Loans
Flexible programs for well-qualified buyers — fixed or adjustable rates, as little as 3% down, and no required mortgage insurance once you reach 20% equity.
Government-Backed Loans
FHA, VA, and USDA programs lower the barrier to homeownership with lower down payments, flexible credit guidelines, and competitive interest rates.
Jumbo & Specialty
Financing above conforming limits, renovation loans, and reverse mortgages for homeowners 62+. Custom solutions for non-standard situations.
Investor & Non-QM
DSCR loans that qualify on rental income, bank statement programs for the self-employed, and non-QM alternatives for borrowers outside conventional guidelines.
Down Payment Assistance
State, local, and lender-sponsored grants and second-lien programs that can dramatically reduce how much cash you need to close.
Refinance Options
Rate-and-term refinances to lower your payment, cash-out refinances to access equity, and streamline options for existing FHA and VA borrowers.
All Programs
Every loan we offer
Browse the full catalog and click any card to learn requirements, rates, and how to apply.
Conventional
Government
Jumbo & Specialty
Investor & Non-QM
Quick Compare
FHA vs VA vs Conventional — at a glance
| FHA | VA | Conventional | |
|---|---|---|---|
| Min. Down Payment | 3.5% | $0 | 3% |
| Min. Credit Score | 580 | No minimum* | 620 |
| Mortgage Insurance | Required (all loans) | None (VA funding fee) | Required <20% down |
| Eligible Borrowers | All qualified buyers | Veterans & active military | All qualified buyers |
| Loan Limits (2026) | $524,225 base | No limit† | $832,750 conforming |
| Property Condition | Must meet FHA standards | Must meet VA standards | Standard appraisal |
Common Questions
Loan option FAQs
How do I know which loan type is right for me?
The best loan depends on your credit score, down payment, military status, and the property type. Our loan officers walk through every option at no charge — most borrowers find their ideal fit in a single 15-minute conversation.
Can I qualify for more than one loan type?
Yes. Many borrowers are eligible for multiple programs simultaneously. We compare all your options side-by-side so you can choose the one with the lowest total cost over your expected ownership horizon.
What credit score do I need to get approved?
FHA loans start at 580 (with 3.5% down) or as low as 500 with 10% down. Conventional loans typically require 620+. VA and USDA have no published minimum but most lenders use 580–620 as a guideline. Higher scores unlock better rates.
How long does mortgage approval take?
Our digital pre-approval takes about 15 minutes. Full underwriting and closing typically runs 21–30 days from accepted offer, though purchase timelines can vary based on title, appraisal, and seller schedule.
Are your rates competitive?
We shop your loan across multiple wholesale and correspondent channels to find the best combination of rate, fees, and terms for your specific scenario — not just the best headline number.
Not sure which loan fits your situation?
Talk to a Summit Crest loan officer — free, no-pressure guidance in 15 minutes or less.