Financing That Works For You
The right financing can save you thousands. We break down mortgage options, assistance programs, and how financing impacts your long-term costs.
Compare Loan Types
| Loan Type | Down Payment | Min Credit | Best For |
|---|---|---|---|
| Conventional | 3-20% | 620+ | Good credit, want to avoid PMI with 20% down |
| FHA | 3.5% | 580+ | Lower credit, smaller down payment |
| VA | 0% | No min | Veterans and active military |
| USDA | 0% | 640+ | Rural properties, income limits apply |
| Investment/DSCR | 20-25% | 660+ | Rental properties, qualify on property income |
Key Financing Concepts
Interest Rates
Even 0.5% difference in rate can mean $20,000+ over the life of a loan. We help you shop rates and negotiate the best terms.
Total Cost of Ownership
Monthly payments are just part of the picture. We calculate taxes, insurance, maintenance, and true monthly costs.
Investment Financing
Rental property loans have different rules. DSCR loans let you qualify based on property income, not personal income.
Get Your Free Mortgage Options Guide
Download our mortgage comparison chart and down payment assistance programs guide. Understand your options before you talk to a lender.
- Side-by-side loan comparison chart
- Complete list of NY assistance programs
- Monthly payment calculator template
Free Mortgage Guide
Loan comparison + assistance programs delivered to your inbox.
- Compare all loan options at a glance
- Find programs you qualify for
- Calculate true monthly costs
Prefer to talk it through first?
We Work With Trusted Lenders
We've vetted lenders who offer competitive rates, excellent service, and experience with all types of buyers — from first-timers to seasoned investors.
Meet Our Preferred LenderFrequently Asked Questions
Ready to Get Pre-Approved?
We'll connect you with a lender who understands your goals and can get you the best terms.
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