Product Comparison Guide
Access up to $750,000 of your home’s equity
Borrow up to 90–95% of your home’s value
Minimum 640 credit score
Available for primary residence, second homes, and investment properties
3, 5 or 10 years to access funds followed by a 20-year repayment period
Alternative income qualification options available, including bank statements and assets
Rarely an appraisal needed up to a $400,000 line amount
No minimum draw programs available
Use your home’s equity to finance renovations and improvements
Borrow up to 125% of your home’s current value, up to 90% of the future value
Line amounts up to $750,000 available
Minimum 640 credit score
Available for primary homes and second homes
10 years to access funds, followed by a 20-year repayment period
Funds are accessed as renovation work progresses
Can be structured as a first or second mortgage
Borrow against your home equity with a fixed rate and predictable monthly payment while keeping your first mortgage in place
Borrow up to 90% (combined) of your home’s value
Financing available up to $500,000
Minimum 640 credit score
Choose from 10, 15, 20 or 30-year fixed-rate terms
Available for primary and second homes
No penalty for paying the loan off early
Rarely an appraisal needed up to a $400,000 loan amount
A flexible mortgage option for buying or refinancing a home
Down payments as low as 3%
Choose from fixed or adjustable interest rates
Terms available from 8 to 30 years, including custom terms
Available for primary homes, second homes, and investment properties
Flexible qualification options based on credit, income, and assets
Higher loan limits available in qualifying areas
A government-backed mortgage with more flexible qualification requirements
Down payments as low as 3.5%
The entire down payment may be eligible to come from a financial gift
More flexible credit and income requirements than other loan options
Choose from several fixed-rate terms or adjustable-rate options
Available for buying or refinancing a primary residence
Renovation financing available through an FHA 203(k) loan
Designed for higher-priced homes that exceed conventional loan limits
Financing available up to $4 million
Options with as little as 10% down
Choose from 15- or 30-year fixed rates
Adjustable-rate options including 5, 7 and 10 year ARMs
Interest-only payment options available for qualifying borrowers
Turn more of your home equity into cash while replacing your existing mortgage
Access cash while financing up to 90% of your home’s value
Minimum 620 credit score
30-year fixed-rate Conventional mortgage
No Private Mortgage Insurance (PMI)
Use funds for debt consolidation, home improvements, or major expenses
No penalty for paying the loan off early
Closing available in as little as 2 weeks
The appraisal is the only upfront out-of-pocket expense
Use your current home’s equity to help finance your next home before selling
Financing available up to $1 million
Borrow up to 90% of your home’s value, including existing mortgage balances
Minimum 680 credit score
Available for one-unit primary residences
10 years to access funds, followed by a 20-year repayment period
Can be structured as a first or second mortgage
No prepayment penalties for early payoff
Financing to purchase vacant land or refinance an existing land loan
Borrow from $50,000 to $500,000
Minimum 20% down payment
Minimum 680 credit score
10-year fixed-rate term for predictable payments
Available for buildable residential lots zoned for 1–4 units
Properties up to 20 acres
No penalty for paying the loan off early