Loan Types

Purchase Loan

Financing used as a means of purchasing a property/dwelling for primary use, second home use, or as an investment. 


Financing that replaces existing financing, in most cases as a means of receiving a more competitive interest rate, reducing the amount of years remaining on a loan, eliminating mortgage insurance, or receiving cash from a homeowner’s equity. 

Home Equity Loan

A loan secured by a property/dwelling provided to a homeowner in a lump sum and normally at a fixed interest rate. A homeowner can access up to 100% of their equity. 

Home Equity Line of Credit (HELOC)

A revolving line of credit secured by a property/dwelling. Rates are usually variable/adjustable, with options for interest only payments. Limits as high as 100% of the homeowner’s equity

Conventional Loan

A home loan that is not backed, endorsed, guaranteed or insured or sponsored by a government agency for competitive borrowers. 

FHA Loan

 A loan for a property that is insured by the federal housing administration (FHA) for homeowners that protects lenders from financial risk. 

VA Loan

a home loan that is guaranteed by United States Department of Veteran Affairs (VA) that protects lenders from financial risk. 


Allows a borrower to refinance an existing FHA loan or VA loan to a lower interest rate without income verification or an appraisal. 

Cashout Refinance

A type of refinance that allows a borrower to obtain a lump sum of cash from their equity without adding a 2nd monthly payment (like a home equity loan or HELOC). Can be FHA, VA or Conventional.

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Completing the questionnaire will assess your home loan eligibility, allow you to review estimated offers if eligible, and will not impact your credit score. If you accept a proposal, a one-time credit inquiry will be required which may impact your credit score

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