Loan options
Every mortgage program, in one place.
Belong Lending is a mortgage broker — so we shop across 12+ wholesale lenders to match you to the program that fits your goal. Explore the 19 loan options below and click any to see qualification requirements, benefits, and how it works.
Conventional Loans
The most common mortgage program. Flexible down payment options and no upfront mortgage insurance premium.
Learn more →●FHA Loans
Flexible credit and down payment for eligible buyers. Backed by the Federal Housing Administration.
Learn more →●VA Loans
Powerful $0-down purchase and refinance options for eligible veterans, active service members, and surviving spouses.
Learn more →●USDA Loans
Zero-down home financing for eligible rural and suburban buyers, backed by the U.S. Department of Agriculture.
Learn more →●Jumbo Loans
Financing for loan amounts above the conforming loan limit. Purchase or refinance high-value homes.
Learn more →●30-Year Fixed Mortgage
The most popular mortgage in America. Predictable payments over 30 years across FHA, VA, Conventional, and USDA.
Learn more →●Adjustable Rate Mortgage (ARM)
Lower initial rate for a set period, then adjusts. Good for borrowers with the right timeline.
Learn more →●First-Time Homebuyer Programs
Guidance, down payment options, and loan programs designed for buyers purchasing their first home.
Learn more →●FHA 203k Renovation Loans
Finance eligible renovation costs into an FHA purchase or refinance. One loan, one payment, one closing.
Learn more →●DSCR Loans
Investor-focused financing that qualifies using property cash flow instead of traditional personal income.
Learn more →●HELOC (Home Equity Line of Credit)
A revolving line of credit secured by your home equity. Borrow, repay, and re-borrow as you need it.
Learn more →●Home Equity Loan
A fixed-rate second mortgage secured by your home equity. One lump sum, one predictable payment.
Learn more →●Cash-Out Refinance
Replace your current mortgage with a larger one and take the difference in cash. Available on Conventional, FHA, and VA.
Learn more →●FHA Streamline Refinance
Simplified refinance for existing FHA borrowers. Usually no appraisal, no income docs, and fast to close.
Learn more →●VA IRRRL (Interest Rate Reduction Refinance)
The VA streamline refinance. For existing VA loans — usually no appraisal, no income docs, and fast to close.
Learn more →●Physician Loan
Specialty mortgage for doctors, dentists, and other medical professionals. Low or no down payment, no PMI, student loans handled favorably.
Learn more →●Bank Statement Loan
Self-employed mortgage that qualifies using 12–24 months of bank deposits instead of tax returns.
Learn more →●MSHDA MI Home Loan
Michigan-specific first-time buyer mortgage from the Michigan State Housing Development Authority. Pair with MSHDA down payment assistance.
Learn more →●Construction Loan
Finance new home construction. Construction-to-permanent loans convert to a standard mortgage when the build is complete.
Learn more →Compare programs
Weighing two options against each other?
Straight side-by-side breakdowns of the mortgage programs buyers ask about most often.
FHA Loan vs. Conventional Loan
FHA and Conventional are the two most common mortgage programs in the country.
See the comparison →vsVA Loan vs. Conventional Loan
For eligible veterans, active-duty service members, and surviving spouses, the VA loan is one of the most powerful mortgage benefits in the country.
See the comparison →vsUSDA Loan vs. FHA Loan
USDA and FHA are the two most flexible low-down-payment loan programs.
See the comparison →vsFHA Loan vs. VA Loan
If you're a veteran, active-duty service member, or surviving spouse, you're eligible for both FHA and VA loans.
See the comparison →Not sure which program fits?
Tell us about your goal and Belong Lending will help you compare the right purchase or refinance path from every program above.