Loan Options for Every Borrower

Buying a home is one of the biggest financial decisions you'll make. Our purchase loan specialists work with 25+ wholesale lenders to find you the most competitive rate and terms for your situation.

• Conventional loans with as little as 3% down
• Fixed and adjustable rate options
• Loan amounts up to conforming limits
• Fast pre-approval — often same day

Whether you want to reduce your monthly payment, shorten your loan term, or access your home's equity, refinancing with Fixarate is simple and transparent.

• Rate-and-term refinance to lower your rate
• Cash-out refinance for home improvements or debt
• Streamline refinance options for FHA loans
• No-cost refinance options available

FHA loans are government-backed mortgages designed to help first-time buyers and those with less-than-perfect credit achieve homeownership with a lower barrier to entry.

• Down payments as low as 3.5%
• Credit scores as low as 580 accepted
• Competitive interest rates
• Seller can contribute up to 6% toward closing costs

Financing a luxury or high-value property? Jumbo loans cover amounts above conforming loan limits, with competitive rates for qualified borrowers.

• Loan amounts above $832,750
• Fixed and adjustable rate options
• Primary, secondary, and investment properties
• Personalized underwriting for complex income

A Home Equity Line of Credit gives you flexible, revolving access to your home's equity — draw what you need, when you need it, and only pay interest on what you use.

• Draw period up to 10 years
• Interest-only payments during draw period
• Variable and fixed rate options available
• Reusable credit line — borrow, repay, repeat

Receive a one-time lump sum secured by your home's equity at a fixed interest rate — ideal for large, planned expenses like renovations, debt consolidation, or major purchases.

• Fixed rate for the life of the loan
• Predictable monthly payments
• Loan terms up to 15 years
• Receive full amount upfront at closing