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Residential Loan

Residential Loans

Explore Your Lending Options

Purchase your new family home or vacation property with a residential loan. Home loans are only allowed for primary residences. There are separate types of loans for commercial real estate and rental properties. Unless you can purchase your home outright with a cash sale, it’s time to connect with a lender and get pre-approved.

Helpwithmyloan has a 95% loan approval rate, which is almost double the industry average. We work hard to connect you with the right lender and help you secure funding even faster. Our vetted network includes more than 300 financial partners with both big banks and private lenders.

300+ Financial Partners

Highlight: Residential Loan Programs

Browse competitive rates and attractive loan offers from our vetted lending partners:

Loan Amount:
$100,000 – $5,000,000

FICO:
680 Minimum

LTV:

Up to 80% LTV

Property Type:

All 1-4 Unit residential properties are eligible

Rates:

Rates starting from 2.99%

Terms:

Up to 30 Year Fixed Terms and amortization

Contact Time:

24-48 hours to have a lender matched

Time to Close:

Close in 30-45 days

Loan Amount:
$50,000 – $10,000,000

FICO:
525 Minimum

LTV:

Up to 75% LTV

Property Type:

All residential property types are eligible

Rates:

Rates starting from 5.99%

Terms:

Up to 30 Year Fixed Terms and amortization or short-term Interest Only

Contact Time:

24-48 to have a lender matched

Time to Close:

Close in 30 days

Loan Guidelines:

Equity & Credit Score based – No Income Required (investment purpose loan only)

Borrower must own their Primary Residence

Renters not allowed

Loan Amount:
$250,000 – $20,000,000

FICO:
500 Minimum

LTV:

Up to 60% LTV

Property Type:

All residential investment property types are eligible

Rates:

Rates starting from 7.99%

Terms:

Up to 30 Year Fixed Terms and amortization or short-term Interest Only

Contact Time:

24-48 hours to have a lender matched

Time to Close:

Close in 15 days or less

Loan Guidelines:

Equity & Credit Score based – No Income Required (investment purpose loan only)

Loan Breakdown

Use our loan calculator to estimate monthly payments, compare interest rate options, and calculate costs for different terms. Amortization schedules outline the total cost of principal payments and interest over time.

FAQ

What information do I need to apply for a residential loan?

The specific lender, loan type, and amount will determine your application process. Your credit score, tax returns, assets, and debt-to-income ratio will likely be part of the conversation.

Click here to use our loan search engine and see what options are available to you in as little as 24 hours.

What is a conventional loan?

Conventional loans are the most popular because they typically have the lowest interest rates. In order to qualify, you need good credit, stable employment history, and at least 3% for your down payment.

What is a jumbo mortgage?

High-value properties and affluent homes are often purchased with jumbo loans. You’ll need to put 10-20% down, show at least 10% of the loan value in cash assets, and qualify with great credit.

What are government-insured mortgages?

There are several government loan programs to help Americans become homeowners, including FHA, USDA, and VA loans. Helpwithmyloan can talk you through all of the different program benefits and requirements.

What is a secured loan?

Mortgages are a prime example of a secured loan – the home that you’re purchasing is used as collateral. If you default on the loan, the bank can repossess your home in foreclosure to recoup their losses.

What is mortgage insurance?

Private mortgage insurance helps reassure lenders and lower their risk. If you pay less than 20% down, you’ll be charged a small monthly fee for mortgage insurance. After you meet the 20% mark in equity or payments, you’re done!

Explore More Loan Types

Helpwithmyloan is a full spectrum lending platform. Looking for a different type of funding? We’ll help you search for the best loan and get approved even faster.

Business Loans

Personal Loans

Still Have Questions? Let’s Talk.

We’re eager to help you find the right lending options to meet your needs. Connect with a real person for one-on-one loan advice and support. Or start by filling out our fast, free questionnaire to apply for a loan and match up with our finance partners.