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Loan Programs for Every Situation

Whether you're buying your first home or investing in property, we have the right loan for you

Conventional Loans

Flexible terms with as little as 3% down for qualified buyers

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FHA Loans

Government-backed loans with low down payments and flexible credit requirements

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VA Loans

Zero down payment loans for veterans and active-duty military

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USDA Loans

No down payment required for rural and suburban homebuyers

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Jumbo Loans

Financing for luxury homes above conventional loan limits

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HELOC

Flexible credit line secured by your home’s equity

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Crunch the Numbers

Use our free calculators to plan your purchase before you apply

Mortgage Calculator

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Affordability Calculator

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Refinance Calculator

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Real Savings from Real Homeowners

See why 50,000+ homeowners chose 4Homes to find their best rate

$200/mo saved
“4Homes made our first home purchase so much easier. We compared rates from multiple lenders in minutes and saved over $200 a month on our mortgage.”

Sarah & David M.

Austin, TX

$350/mo saved
“I was skeptical about refinancing, but 4Homes connected me with a lender who lowered my rate by a full point. The process was painless and I’m saving $350 every month.”

James L.

Denver, CO

Closed in 30 days
“As a veteran, finding the right VA loan was crucial. 4Homes matched me with a lender who truly understood military benefits. Closed in under 30 days!”

Maria R.

San Diego, CA

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Expert Insights & Guides

Stay informed with the latest mortgage news, tips, and market updates

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2026 First-Time Homebuyer’s Complete Guide

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Mortgage Rate Forecast: What Experts Predict for Q2 2026

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5 Ways to Improve Your Credit Score Before Applying
Tips

5 Ways to Improve Your Credit Score Before Applying

Simple, actionable steps you can take today to boost your credit and qualify for better rates.

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