Loan options.

The most common loan. Mortgage insurance can come off as you build equity. Includes HomeReady and Home Possible for buyers who fit those guidelines.

More flexible on credit history. Often used by first time buyers.

For eligible veterans, service members, and some surviving spouses.

For eligible homes in designated areas, with household income limits.

For loan amounts above the conforming limit, which is updated each year.

For business owners, 1099 earners, and investors whose tax return is not the whole story. Income can be documented with bank statements, 1099s, a profit and loss statement, or assets. Investors can qualify on a rental's income. Terms differ from standard loans.

One option for eligible buyers purchasing in Michigan, subject to program guidelines, funding, and income limits.

A seller credit can lower the payment for the first year or two. After that, you pay the note rate, and you qualify at the note rate.

Some FHA and VA loans can be taken over by a buyer. A second mortgage can cover the difference, with the servicer's approval.

For homeowners changing their loan or using their equity.

Refinance Use your equity