What home loan options are there for you?

Answer five questions and see which loan types are worth asking a lender about, with plain explanations and the questions to bring.

Your numbers are only the start

Fill in the form to see your results here. When you are ready, send us the address and we will turn the estimate into a real offer or a plain-English plan, at no cost.

Jump to the request form

The main loan types

Conventional: not government-backed. The lender and the investor set the terms.
FHA: insured by the Federal Housing Administration, often with lower down payments.
VA: guaranteed by the Department of Veterans Affairs for eligible veterans, service members and some surviving spouses.
USDA: backed by the U.S. Department of Agriculture for eligible rural and some suburban areas.
Jumbo: larger than the conforming loan limit.

How this works

The finder follows simple rules. It points to VA when you say you are eligible, USDA when the home may be in an eligible area, jumbo when the loan is large, and shows conventional and FHA for most buyers. It does not know your credit or the lender's limits.

Next steps

Check your ratios with the qualification check.
See down payment help.
Ask two or three lenders for a written estimate so you can compare.

Questions about this tool

Which loan is best?

It depends on your credit, down payment, income and the home. Compare written estimates for the loans you may qualify for.

Does the finder check my eligibility?

No. It lists loan types to ask about. A lender confirms eligibility and terms.

Do all these loans need mortgage insurance?

Not all of them, and the cost differs. Ask each lender how mortgage insurance or similar fees apply.

For lenders and counselors

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Not legal, tax or financial advice

These tools give general estimates from the numbers you enter. They do not replace advice from a Texas attorney, a CPA or a licensed lender. Captain Saves A Home buys houses, so we have an interest in a sale, and we will tell you honestly when another option fits better.