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    Find the Right Loan for You

    Every homebuyer's situation is unique. We offer a variety of mortgage programs to help you achieve your goals, whether you're buying your first home or refinancing your current one. Click any program for an in-depth guide.

    Conventional Loans

    Flexible financing for buyers with solid credit.

    Down payments as low as 3% for qualified buyers
    No upfront mortgage insurance fee
    Private mortgage insurance (PMI) can be canceled once you reach 20% equity
    Available for primary residences, second homes, and investment properties
    Explore Conventional

    FHA Loans

    3.5% down. More flexible credit. Great for first-time buyers.

    Down payments as low as 3.5%
    More flexible credit requirements (often down to a 580 score)
    Down payment funds can come entirely from a gift
    Allows for higher debt-to-income ratios than many conventional loans
    Explore FHA

    VA Loans

    Zero down. No PMI. For veterans and active-duty military.

    0% down payment required in most cases
    No private mortgage insurance (PMI)
    Competitive interest rates
    Limited closing costs that sellers can help pay
    Explore VA

    Jumbo Loans

    Financing for homes above conforming loan limits.

    Borrow amounts above standard county loan limits
    Fixed-rate and adjustable-rate options available
    Can finance primary residences and second homes
    Flexible terms for high-value properties
    Explore Jumbo

    USDA Loans

    0% down for eligible rural and suburban homes.

    0% down payment required
    Below-market interest rates
    Competitive mortgage insurance costs
    Closing costs can sometimes be rolled into the loan or paid by the seller
    Explore USDA

    Refinancing

    Lower your rate, change your term, or access your equity.

    Rate-and-term refinancing to lower monthly payments
    Cash-out refinancing to access home equity
    FHA Streamline and VA IRRRL options for faster processing
    Switch from adjustable to fixed-rate for predictable payments
    Explore Refinance

    First-Time Homebuyer Programs

    Programs built for your first home purchase.

    Access to low down payment options (3–3.5%)
    Eligibility for down payment assistance grants and programs
    Flexible credit guidelines through FHA and other programs
    Educational resources to guide you through the process
    Explore First-Time Buyer

    Down Payment Assistance

    Grants and programs to help cover down payment and closing costs.

    Can cover part or all of your down payment
    Some programs offer assistance with closing costs too
    Grants and forgivable options may not require repayment
    Can be combined with FHA, conventional, and other loan types
    Explore Down Payment Assistance

    Not sure which option is best?

    You don't have to figure it out alone. Contact Marcus today for a free consultation to review your specific situation and find the perfect mortgage program.