Types of Loans

Today's interest rates are as low as 5.49% for qualified candidates. Consult with our team to learn more.*

TYPES OF LOANS

Not all home loans are created equal — and the best choice depends on your goals, your finances, and the home you’re dreaming of. From low‑down‑payment programs to renovation financing and investment‑friendly options, each loan type offers unique advantages. A skilled loan officer takes the time to understand your situation, compare programs, and guide you toward the loan that fits you perfectly. At Prosper Loans, that personalized approach is at the heart of everything we do.

Conventional Loans

Conventional mortgages are the most common type of home loan and are not backed by the government. They offer flexible terms and competitive rates for borrowers with solid credit and stable income.

FHA Loans

FHA loans are government‑insured mortgages designed to help buyers with lower credit scores or limited savings. They offer accessible qualification standards and low down‑payment requirements.

worm's-eye view photography of concrete building

VA Loans

VA loans are exclusive benefits for eligible veterans, active‑duty service members, and surviving spouses. They offer some of the most favorable terms in the mortgage industry.

USDA Loans

USDA loans support buyers purchasing in eligible rural and suburban areas. They’re designed to promote homeownership in communities with lower population density.

Home Equity Line of Credit

A HELOC, Our architecture services take into consideration your lifestyle and preferences to create spaces that are both beautiful and functional.

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Refinancing

We work collaboratively with our clients throughout the design process to ensure their vision is realized in the final product.

Renovation Loans

From concept to completion, our architecture services use the latest technology and techniques to deliver exceptional results.

Debt Service Coverage Ratio Loans

Our architecture services take into consideration your lifestyle and preferences to create spaces that are both beautiful and functional.

Commercial

We work collaboratively with our clients throughout the design process to ensure their vision is realized in the final product.