Buying Again? Let's Make It Easy.
Streamlined loan options with down payments from 0-5%.
Your Down Payment Options
Choose the program that fits your situation.
Conventional Loans
5% down for repeat buyers
- Most popular for repeat buyers
- PMI cancellable at 20% equity
- Competitive rates
- Credit score 620+
FHA Loans
3.5% down, flexible credit
- Credit scores 580+
- Higher debt ratios allowed
- Gift funds allowed
- Mortgage insurance required
VA & USDA Loans
0% down for eligible buyers
- VA: Veterans & active duty
- USDA: Rural area purchases
- No PMI on VA loans
- Reusable VA benefit
Frequently Asked Questions
Yes! VA loan benefits are reusable. You can use your VA entitlement on multiple homes, either by paying off the previous loan or having sufficient remaining entitlement.
You can qualify for a new mortgage while still owning your current home. We factor in both mortgages or can structure the loan based on selling timing.
No. Rates are based on credit, down payment, and loan type—not whether you're a first-time or repeat buyer.
Most purchases close in 30-45 days. Pre-approval takes just a few days and puts you in a stronger position when making offers.
Compare Your Options
See which loan type fits your next purchase.