Home Loan Options

Explore home loan options with Sympli Mortgage. Finding a loan starts with your goals, finances and plans for the property. Browse the programs below, then talk with our team about your next step.

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Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

VA Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Rehab Loan

Roll the costs of the renovation into your loan.

USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

Investment Property

Mortgage loan programs for vacation and investment properties.

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

Bridge Home Loan

Secure the transition between selling your current home and buying a new one.

Construction Home Loan

Build your dream home from the ground up with tailored financing.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

HELOC Home Loan

Unlock the value in your home with flexible home equity lines of credit.

Seller-Paid Buydown

Reduce your mortgage payments with the assistance of the seller.

Refinance

Mortgage refinancing may lower your monthly payments.

Cash-Out Refinance

Access home equity for various purposes.

VA Loan Refinance

There are two main ways to refinance your VA loan.

Compare home loan options

Use this page to explore financing for a home purchase, refinancing, renovations or an investment property. Each program page explains its purpose and considerations. Availability and eligibility depend on the loan program, lender, property and borrower qualifications.

How to compare home loan options

Compare the complete loan offer, including the loan term, payment, closing costs, and cash needed at closing. When you receive Loan Estimates, check that they describe the same kind of loan and the terms you discussed.

Monthly payment: Review principal and interest alongside any mortgage insurance and escrow amounts.
Upfront costs: Compare origination charges, other closing costs, and estimated cash to close.
Rate terms: Check whether the rate is fixed or adjustable and whether it is locked.
Points and credits: Ask how these affect the interest rate and upfront costs.

The Consumer Financial Protection Bureau’s Loan Estimate explainer provides a guide to the form.

Where should you start?

Choose the program pages that match your goal, then ask a loan officer which options may fit your circumstances.

Buying a home: Review purchase programs above and discuss your down payment, price range, and timeline.
Refinancing: Visit our refinance guide and compare the new loan’s costs and terms with your current mortgage.
Building or renovating: Explore construction financing and discuss the property and project with your loan officer.
Investment property: Explore the investment programs above and share the property’s intended use with your loan officer.

For a personal discussion, find a Sympli Mortgage loan officer or request a mortgage quote.

Plan your next conversation

Tell your loan officer what you want to accomplish, your timeline and the questions you want answered. Our mortgage calculator can help you explore estimates, and our learning center provides more background. Already have an offer? Request a Second Look at your Loan Estimate.