Loan Options
Find the right mortgage for your needs. Sydney will help you explore every option.
Conventional Loans
Traditional financing with competitive rates and flexible terms for qualified buyers.
- Low down payment options
- No private mortgage insurance after 80% LTV
- Primary residence, investment property, or second home
FHA Loans
Government-backed loans with flexible credit requirements and low down payments.
- Minimum 3.5% down payment
- Allows for higher DTI ratios
- Primary residence only
VA Loans
Exclusive benefits and 100% financing for eligible veterans and active-duty service members.
- 100% financing options for eligible veterans
- Competitive rates
- No private mortgage insurance required
USDA Loans
Zero-down financing for eligible rural and suburban properties in qualifying areas.
- No down payment required
- Based on income limits, DTI ratios, and property eligibility
Refinance
Lower your rate, shorten your term, or tap into your home equity.
- Interest rate reduction
- Cash-out refinance
- Debt consolidation
Down Payment Assistance
Programs to help cover your down payment and closing costs so you can get into your home sooner.
- Ask about programs to help cover your down payment and closing costs
Not Sure Which Loan Is Right for You?
Every homebuyer's situation is different. Sydney will walk you through your options and help you choose the loan that fits your goals and budget.