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Start with your situation, not the product. Your down payment savings, credit profile, how you document income, and the property type narrow 50+ programs down to a shortlist fast. Our 60-second Loan Finder Quiz does that matching for you, or you can compare programs side-by-side — and a CMS loan expert confirms the best fit before you commit to anything.
Conventional loans are not insured or guaranteed by a federal agency, and they generally follow standard guidelines set by the lender and investor. Borrower-paid mortgage insurance on a conventional loan can generally be canceled once enough equity is built and federal and servicer requirements are met. Government-backed loans (FHA, VA, USDA) are insured or guaranteed by federal agencies, which can allow more flexible credit or down-payment requirements for eligible borrowers. Credit and down-payment requirements vary by program and lender, and a CMS loan expert confirms them for your complete scenario.
Some programs may allow it. Some Non-QM programs may accept alternative documentation, such as bank statements or a CPA-prepared profit-and-loss statement, in place of tax returns. For investment properties, DSCR programs generally focus on the rental income a lender recognizes, and some programs do not require personal income documentation. Requirements vary by lender and scenario, so a CMS loan expert confirms what the selected program needs.
It depends on the program, the property, and your complete financial picture. Conventional, FHA, VA, and USDA programs each set their own down-payment rules, and some programs are limited to eligible borrowers. A larger down payment lowers the amount you borrow, but keeping cash in reserve can matter too. We'll walk you through the current options for your scenario.
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