Financing Your Home

There’s more than one way to pay for a home. Here are the common paths, in plain words.

Your main options

The most common loan. Usually needs decent credit and a down payment (often 5–20%).

Backed by the government, with lower down payments and easier credit — popular with first-time buyers.

For eligible veterans and service members. Often no down payment and strong terms.

For certain rural areas, sometimes with no down payment.

No loan needed. Common with downsizers who’ve built up equity. It can make your offer very strong.

I work with trusted local lenders and can connect you with the right one for your situation.