Loan options
The right loan begins with the right comparison.
Explore purchase, refinance, equity, and investor programs—then build a personalized strategy with Gin.
A broad lending toolkit
Different goals require different structures.
No program is automatically “best.” The right answer depends on eligibility, payment, cash-to-close, property, risk, and how long you expect to keep the financing.
Conventional loans
A conventional mortgage can support a primary home, second home, or investment purchase with a wide range of down-payment and term options.
FHA home loans
FHA-insured financing may offer a more flexible qualification path for buyers who need a lower down-payment option or more accommodating credit guidelines.
VA home loans
Eligible service members, veterans, and surviving spouses may be able to buy or refinance with no down payment, competitive terms, and no monthly private mortgage insurance.
Jumbo loans
Jumbo financing supports higher-value properties when the needed loan amount exceeds applicable conforming limits.
USDA rural housing loans
USDA financing may help qualified moderate-income households purchase a primary home in an eligible rural or suburban area with no down payment.
Adjustable-rate mortgages
An adjustable-rate mortgage, or ARM, typically holds an initial rate for a defined period and then adjusts according to the loan’s index, margin, and caps.
15-year fixed-rate mortgage
A 15-year fixed mortgage keeps the principal-and-interest payment stable while paying the balance down over a shorter period.
30-year fixed-rate mortgage
A 30-year fixed mortgage spreads repayment over a longer term and keeps principal and interest stable for the life of the loan.
Investment property financing
Investment-property loans can finance long-term rentals, select short-term rentals, and other non-owner-occupied residential opportunities.
DSCR investor loans
A debt-service coverage ratio loan may qualify an investment property primarily by comparing eligible rental income with the property’s housing expense.
Home equity lines of credit
A HELOC is a revolving line secured by your home that can provide access to approved equity during a defined draw period.
Specialty financing
Specialty programs may address bank-statement income, recent credit events, unique properties, bridge needs, or other scenarios outside standard agency guidelines.
Not sure where to begin?
A consultation can narrow the field quickly.
Share the property, timing, income picture, cash available, and monthly comfort zone. Gin will help identify which paths deserve a closer look.
Request a personalized review