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It is important to find the program that matches your goals, whether short or long term. Our Rapid experts work with leading lenders to find the best solution that will provide you the best decision. Check out all that we offer.

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer.

This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. 

Adjustable rate mortgages are a type of mortgage loan that has interest rates automatically adjust or fluctuate with certain market indexes.

A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs).

An FHA loan is a type of government-backed mortgage loan that can allow you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score. You might even be able to get an FHA loan with a bankruptcy or other financial issue on your record.

A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2021, the limit is $548,250 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $822,373. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk. 

A USDA Home Loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses

The 1% down with Rocket loan program typically refers to a mortgage option where borrowers contribute a minimal 1% down payment, and the lender supplements the remaining down payment as a grant or credit. This innovative program aims to assist buyers by reducing the initial cash needed to purchase a home, providing an accessible path to homeownership

Bank statement loans are a type of mortgage program where lenders evaluate a borrower’s income using bank statements rather than traditional income verification methods like pay stubs or tax returns. This option is often utilized by self-employed individuals or those with non-traditional income sources, allowing flexibility in demonstrating financial stability for loan approval.

Home Equity Loans (HELs) are fixed-rate loans that allow homeowners to borrow against the equity in their homes, receiving a lump sum of money that is paid back over a specified period. HELs are often used for major expenses like home renovations, debt consolidation, or other significant financial needs.

HELOCs (Home Equity Lines of Credit) are flexible loan programs that allow homeowners to borrow against the equity in their homes. They function as a revolving line of credit, enabling borrowers to access funds as needed, often used for home improvements, debt consolidation, or other major expenses, with interest rates typically tied to the prime rate.

Debt-Service Coverage Ratio (DSCR) loans are designed for real estate investors or commercial property owners. This program evaluates the property’s income potential rather than the borrower’s personal income, focusing on the property’s ability to generate enough cash flow to cover the loan payments, offering a solution for income-producing properties where traditional income verification may not apply.