New American Funding: NMLS#6606
Best for first-time home buyers
620
FHA: | 500 |
JUMBO: | N/A |
USDA: | 640 |
VA: | 500 |
CONVENTIONAL: | 620 |
3%
New American Funding works with down payment assistance programs in 14 states, including California, Texas, Florida and Illinois.

Fairway Independent Mortgage: NMLS#2289
at Fairway Independent Mortgage
Best for customer satisfaction
620
CONVENTIONAL: | 620 |
FHA: | 580 |
JUMBO: | N/A |
USDA: | 620 |
VA: | 640 |
3%
Fairway Independent Mortgage offers conventional mortgages with flexible terms and mortgage insurance options on down payments less than 20%.
at Fairway Independent Mortgage

CrossCountry Mortgage: NMLS#3029
Best for digital convenience
620
3%
Read review

loanDepot: NMLS#174457
Best for digital convenience
620
JUMBO: | N/A |
VA: | 620 |
FHA: | 580 |
CONVENTIONAL: | 620 |
5%
LoanDepot offers conventional loans with as little as 5% down.
Read review

Sebonic Financial: NMLS#66247
Best for digital convenience
620
USDA: | N/A |
JUMBO: | N/A |
FHA: | 580 |
CONVENTIONAL: | 620 |
VA: | 580 |
5%
Read review

State Employees Credit Union: NMLS#430055
Best for credit union lending
N/A
JUMBO: | N/A |
CONVENTIONAL: | N/A |
0%
SECU offers conventional loans with as little as 0% down.
Read review

Flagstar: NMLS#417490
Best for mortgage rate transparency
620
USDA: | 660 |
VA: | 660 |
JUMBO: | N/A |
FHA: | 640 |
CONVENTIONAL: | 620 |
3%
Flagstar offers 3% down payments on conventional loans for first-time home buyers.
Read review