Loan programs
Flexible financing options for different buyers
First-time buyers, self-employed borrowers, veterans, investors - there's likely a program that fits your situation. Here are the options EasyRate can help you explore.
Conventional
Flexible financing for well-qualified buyers, with down payments as low as 3%.
FHA
Lower down payments and more forgiving credit requirements, backed by the FHA.
VA
For eligible veterans and service members, often with no down payment and no monthly mortgage insurance.
Jumbo
Financing above conforming limits for higher-priced homes.
Rate & term refinance
Restructure your existing mortgage to a term that better fits your goals.
Cash-out refinance
Tap into your home's equity for renovations, home improvements, or major expenses.
Home equity (HELOC)
Access a revolving line of credit against the equity you've built — draw only what you need.
DSCR investor*
Qualify based on the property's rental income rather than personal income — built for investors.
Bank statement*
For self-employed borrowers who qualify using bank deposits instead of tax returns.
1099 income*
Designed for independent contractors who are paid on a 1099.
Program availability, eligibility, and terms vary and are subject to credit approval and underwriting guidelines. Not all applicants will qualify. Reach out and EasyRate will help you find the right fit.
* These products may have a higher interest rate, more points or more fees than other products requiring documentation.
EasyRate is not affiliated with an agency of the federal government, HUD, FHA, or the VA. THIS IS NOT A GOVERNMENT DOCUMENT. HUD, FHA, or the VA did not distribute or approve this material.