Loan Options

Discover Your Options

When it comes to buying a home, perhaps nothing is more important than determining which loan program is right for you. To learn more about what type of loan fits your needs, use our Loan Option Finder below.

If you prefer to speak to us about the different programs available, connect with one of our Loan Officers in your area. Take the first step and begin The Loan Process today.

Find the right loan program for you.

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“I’m buying my primary residence.”

  • FHA
  • 3.5% down payment minimum
  • 585 minimum credit score
  • 6% maximum seller contribution
  • Gift Funds allowable in certain cases
  • Fixed monthly payment
  • 30, 25, 20, 15 and 10 year amortization options available
  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available
  • VA
  • Up to 100% financing available
  • 620 minimum credit score
  • No mortgage insurance
  • No mortgage insurance
  • 4% maximum seller contribution
  • 30, 25, 20 and 15 year amortization options available
  • Also available to eligible active duty servicemen & women
  • USDA
  • Up to 100% financing available
  • 640 minimum credit score
  • 6% maximum seller contribution
  • Fixed monthly payment
  • 30 year amortization only
  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers

“I want the lowest rate possible.”

  • Adjustable Rate Mortgages (ARMs)
  • ARMs are loan products that start at the lowest rates available but are tied to the market, allowing the interest rate to rise or fall over time
  • 5, 7, or 10 year initial rate locks available
  • Initial, Annual & Lifetime ceilings are available on all ARMs
  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available
  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers

“I don’t want to pay Mortgage Insurance (PMI).”

  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available
  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers
  • VA
  • Up to 100% financing available
  • 620 minimum credit score
  • No mortgage insurance
  • 4% maximum seller contribution
  • 30, 25, 20 and 15 year amortization options available
  • Also available to eligible active duty servicemen & women

“I’m looking for a loan larger than $417K.”

  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers

“I’m a veteran and looking for up to 100% financing.”

  • VA
  • Up to 100% financing available
  • 620 minimum credit score
  • No mortgage insurance
  • 4% maximum seller contribution
  • 30, 25, 20 and 15 year amortization options available
  • Also available to eligible active duty servicemen & women

“I’m buying a rural property.”

  • USDA
  • Up to 100% financing available
  • 640 minimum credit score
  • 6% maximum seller contribution
  • Fixed monthly payment
  • 30 year amortization only

“I’m buying a vacation home.”

  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available
  • 10% minimum down payment for Conforming (Conventional) loans
  • Jumbo ($417,000+)
  • $1.5 million max loan amount (larger loans available on a case-by-case basis)
  • 20% minimum down payment (some loan options may require more)
  • 690 minimum credit score
  • Fixed or Adjustable (ARM) monthly payment options available
  • Available for vacation homes to qualified borrowers

“I’m buying a rental property.”

  • Conventional
  • 5% minimum down payment
  • 620 minimum credit score
  • 3% - 9% seller contribution allowed depending on down payment
  • Gift funds allowable for down payment
  • Fixed or Adjustable (ARM) monthly payment options available
  • 30, 25, 20, 15 and 10 year amortization options available

Branch 78900

NMLS #2297

  • 1200 W. Sierra Ln, Suite C13 Mequon, Wisconsin 53092
  • (262) 649-6805
  • 604-B N. Milwaukee Avenue, Libertyville, Illinois, 60048
  • (849) 549-3649
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Start your Network Funding Loan Application

This application should take you approximately 15 minutes to complete, and your progress will be saved as you complete each step. Please note that your session will timeout after 15 minutes of inactivity.

Please Have The Following Information

  • Current and Previous Addresses (2 years)
  • Current and Previous Employment Information
  • Income Information For All Borrowers
  • Bank Account (and Other Asset) Balanced and Information
  • Current Monthly Housing Expenses (Mortgage Payments or Rent)
  • If You Already Own Other Property:
    • Address(es) for Each Property
    • Approximate Market Value(s)
    • Rental Income
    • Mortgage, Property Tax and Insurance Information
  • If Working With A Real Estate Agent: Their Name, Company and Contact Information

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