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Get pre-qualified in about 2 minutes with no credit pull, compare every way to finance a home, and only talk to a lender when you are ready.

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Today's rates Sample rates · updated Sep 17, 2026 All rates & definitions
Conventional 30-year6.375% APR 6.452% · 3.0% down Conventional 15-year5.750% APR 5.861% · 3.0% down FHA 30-year5.990% APR 6.870% · 3.5% down VA 30-year5.875% APR 6.110% · $0 down Jumbo 30-year6.625% APR 6.702% · 10.0% down DSCR investor loan7.250% APR 7.520% · 20.0% down

Rates shown are for a 760+ credit score on a primary home. Your estimate adjusts for your credit range and purpose.

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Conventional vs FHA vs VA vs 15-year, side by side: payment, cash to close, total interest and who each is for.

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Seller financing, subject-to and lease options explained in plain English, with editable terms so you can model a real deal.

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Every way to finance a home

Ten paths, one line each. Tap any of them to compare it against the others with real numbers.

Conventional from 6.375%The standard 30-year loan from a bank or lender. Best rates for good credit; 3-5% down minimum.
FHA from 5.990%Government-insured loan with 3.5% down and flexible credit (580+). Mortgage insurance for the life of the loan.
VA from 5.875%$0 down, no monthly mortgage insurance, competitive rates. For veterans, service members and eligible spouses.
USDA from 6.000%$0-down loan for homes in eligible rural and many suburban areas, with household income limits.
DSCR from 7.250%Investor loan qualified on the property's rent instead of your income. DSCR = rent divided by the payment.
Hard money from 11.000%Short-term, asset-based loan that closes in days. Interest-only, 10-13%, 6-24 months. Built for flips.
Seller financingThe seller acts as the bank: you pay them monthly on terms you both agree to, often with a balloon in 5-10 years.
Subject-toYou take over the seller's existing mortgage payments (the loan stays in their name) and pay them for their equity.
Lease optionRent now with the right to buy later at a set price. Part of the rent may credit toward the purchase.
HELOC from 8.500%A credit line against the equity in a home you already own. Draw what you need, pay interest only on that.
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