Conventional fixed-rate
Stable principal and interest payments with a range of term options.
Ask about this option →Loan options
More options. One clear recommendation.
Every borrower and property is different. We compare the structure, cost, and long-term fit—not just the headline rate.
Purchase
Get ready to make your move.
Whether it’s your first home, forever home, or next investment, we’ll help you compare the programs that align with the property and your financial profile.
FHA home loan
Government-insured financing with flexible qualification and down-payment options.
Ask about this option →VA home loan
Eligible veterans, service members, and spouses may access powerful home financing benefits.
Ask about this option →USDA home loan
Government-backed financing for qualified borrowers and eligible properties in designated rural areas.
Ask about this option →Jumbo home loan
Flexible financing for homes above conforming loan limits.
Ask about this option →40-year term options
Extended terms may provide additional payment flexibility for eligible borrowers, while potentially increasing total interest and slowing equity growth.
Ask about this option →Low-down-payment options
Programs designed to reduce the amount needed upfront for qualified buyers.
Ask about this option →Investment property
Financing for qualifying second homes, vacation homes, and rental properties.
Ask about this option →Construction loans
Financing options for eligible ground-up builds or major renovation projects, typically funded through scheduled draws.
Ask about this option →Refinance
Make the mortgage work harder.
A refinance can change far more than your rate. We look at payment, loan term, closing cost, equity, and the total long-term picture.
Rate-and-term refinance
Review your current mortgage against a different rate, term, or loan structure.
Ask about this option →1-0 and 2-1 refinance buydowns
Eligible rate-and-term refinance borrowers may be able to choose one or two years of temporarily reduced payment calculations before the full note-rate payment begins.
Ask about this option →40-year term options
Eligible refinance borrowers may explore an extended term that can change the scheduled monthly principal-and-interest payment and total interest cost.
Ask about this option →Cash-out refinance
Replace your current mortgage and access a portion of your available home equity; compare the full cost against second-mortgage and HELOC alternatives.
Ask about this option →VA refinance
Eligible homeowners can explore VA streamline or cash-out refinance pathways.
Ask about this option →RateBuddy Watch
Returning clients can stay on our radar for future opportunities to review their mortgage.
Ask about this option →Home equity
Put your equity toward what’s next.
Compare cash-out refinance, fixed second mortgages, and first- or second-lien HELOCs without losing sight of payment structure, lien position, closing costs, and total long-term cost.
First-lien HELOC
A revolving home-equity line that may serve as the primary lien, including eligible transactions where an existing first mortgage is paid off.
Ask about this option →Second-lien HELOC
A revolving line of credit behind an eligible existing first mortgage, allowing approved funds to be drawn, repaid, and reused during the draw period.
Ask about this option →Fixed second mortgage
A closed-end second mortgage that may provide a lump sum with fixed-rate principal-and-interest payments while keeping an eligible first mortgage in place.
Ask about this option →Cash-out refinance
Replace the existing first mortgage with one new loan that may provide cash at closing, subject to qualification.
Ask about this option →Renovation financing
Explore financing structures that can support eligible home improvements.
Ask about this option →Specialty financing
Built for investors and self-employed borrowers.
When traditional documentation or a standard residential loan does not fit the strategy, specialized programs may offer another path for eligible borrowers and properties.
Fix and flip
Short-term, business-purpose financing for qualifying investors purchasing and renovating eligible properties for resale.
Ask about this option →DSCR loans
Investment-property financing evaluated primarily around eligible property cash flow rather than traditional personal-income documentation.
Ask about this option →Bank statement loans
Alternative documentation using eligible personal or business bank-statement cash flow for qualifying self-employed borrowers.
Ask about this option →Now available
Personal loans
A separate option for needs beyond the home.
Check personalized prequalified personal-loan options through Credible, an independent third-party provider.
Check personal loan options ↗Provided through Credible
Lending Buddy does not offer, arrange, approve, fund, or service personal loans. Credible and its participating lending partners determine available products, eligibility, rates, terms, approval, funding, and servicing.
Not sure where you fit? That is exactly what the consultation is for. Program availability, terms, and qualification depend on your financial profile, property, location, and underwriting guidelines.
Ready when you are