Today's interest rates are as low as 5.49% for qualified candidates. Consult with our team to learn more.*
TYPES OF LOANS WE OFFER
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 lower down‑payment requirements.
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.
Refinancing
Refinancing allows current homeowners to replace an existing mortgage with a new one—often to secure a lower interest rate, reduce monthly payments, or tap into home equity.
Renovation Loans
A renovation loan bundles the home purchase and improvement costs into one mortgage. It’s perfect for buyers wanting to upgrade or restore a property without separate financing.
Debt Service Coverage
Ratio Loans
DSCR loans qualify borrowers based on a property’s rental income rather than personal income. They’re ideal for investors scaling portfolios with fast approvals and minimal documentation.
Commercial Loans
The ideal loan for businesses purchasing, developing, or refinancing commercial real estate or business assets. They offer flexible structures tailored to investment goals, cash flow, and long‑term growth.
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*Rate and eligibility vary based on credit profile, loan type, income, and other underwriting factors.
Not all applicants will qualify for the lowest advertised rate. Additional terms and conditions may apply. Site Terms & Conditions.
