{"id":36,"date":"2026-04-28T15:06:01","date_gmt":"2026-04-28T19:06:01","guid":{"rendered":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/loan-options\/"},"modified":"2026-04-29T08:55:10","modified_gmt":"2026-04-29T12:55:10","slug":"loan-options","status":"publish","type":"page","link":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/loan-options\/","title":{"rendered":"Loan Options"},"content":{"rendered":"\n
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Mortgage Programs<\/p>\n\n\n\n

Loan Options for Every Path Home<\/h1>\n\n\n\n

Compare low down payment, veteran, rural, conventional, jumbo, refinance, investment, and self-employed borrower options with guidance from Happy Mortgage.<\/p>\n<\/div>\n<\/section>\n\n\n\n

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Programs to compare<\/p>\n\n\n\n

Find the right fit by down payment, property type, credit profile, and eligibility<\/h2>\n\n\n\n

Program requirements vary, and qualification is never one-size-fits-all. The goal is to identify the best next step and confirm details with a loan specialist.<\/p>\n<\/div>\n\n\n\n

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FHA Loans<\/h3>\n\n\n\n

Flexible credit guidelines and 3.5% down options for qualified borrowers.<\/p>\n<\/article>\n\n\n\n

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VA Loans<\/h3>\n\n\n\n

0% down financing for eligible veterans, service members, and qualifying spouses.<\/p>\n<\/article>\n\n\n\n

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USDA Loans<\/h3>\n\n\n\n

0% down options for eligible properties and borrowers in qualifying areas.<\/p>\n<\/article>\n\n\n\n

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Conventional Loans<\/h3>\n\n\n\n

3% and 5% down paths may be available depending on eligibility.<\/p>\n<\/article>\n\n\n\n

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Jumbo Loans<\/h3>\n\n\n\n

Financing conversations for higher-priced homes and larger loan amounts.<\/p>\n<\/article>\n\n\n\n

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Refinance and Cash-Out<\/h3>\n\n\n\n

Review rate, term, and equity access options for qualified homeowners.<\/p>\n<\/article>\n\n\n\n

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First-Time Buyer<\/h3>\n\n\n\n

Guidance around down payment, program fit, and documents needed to start.<\/p>\n<\/article>\n\n\n\n

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Low Down Payment<\/h3>\n\n\n\n

Compare 0%, 3%, 3.5%, and 5% down payment paths in one place.<\/p>\n<\/article>\n\n\n\n

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Investment Property<\/h3>\n\n\n\n

Explore financing for rental properties and investor goals.<\/p>\n<\/article>\n\n\n\n

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New Construction<\/h3>\n\n\n\n

Mortgage planning for new-build purchases and construction timelines.<\/p>\n<\/article>\n\n\n\n

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Multi-Unit Property<\/h3>\n\n\n\n

Options for duplex, triplex, and fourplex property goals.<\/p>\n<\/article>\n\n\n\n

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Self-Employed Options<\/h3>\n\n\n\n

Documentation-aware guidance for business owners and contractors.<\/p>\n<\/article>\n<\/div>\n\n\n\n

\nCompare My Options<\/a>\n\n\n\nAsk About Credit Repair<\/a>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n
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Ready to move forward?<\/h2>\n\n\n\n

Start with a simple conversation about buying, refinancing, credit repair, or the loan path that fits your next step.<\/p>\n<\/div>\n\n\n\n

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\nApply for Pre-Approval<\/a>\n\n\n\nRequest Quote<\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n
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Compare with context<\/p>\n\n\n\n

The best loan path depends on more than the program name<\/h2>\n\n\n\n

Down payment, credit score, income documentation, property type, state, and timeline can all change the recommendation. Happy Mortgage helps you sort those details before you commit to a path.<\/p>\n\n\n\n

\nStart the Conversation<\/a>\n<\/div>\n<\/div>\n\n\n\n
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Your Goal<\/h3>\n\n\n\n

Buying, refinancing, cashing out equity, investing, or building new.<\/p>\n<\/article>\n\n\n\n

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Your Profile<\/h3>\n\n\n\n

Credit, income, assets, property type, and location.<\/p>\n<\/article>\n\n\n\n

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Your Options<\/h3>\n\n\n\n

Compare down payment, eligibility, and documentation.<\/p>\n<\/article>\n\n\n\n

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Your Next Step<\/h3>\n\n\n\n

Move toward pre-approval with the strongest fit.<\/p>\n<\/article>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n

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\n\"Happy\n<\/figure>\n\n\n\n
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Property types<\/p>\n\n\n\n

Support for homes, investments, and new construction<\/h2>\n\n\n\n

Happy Mortgage can discuss financing for primary residences, second homes, investment properties, duplexes, triplexes, fourplexes, and new construction.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n

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FAQ<\/p>\n\n\n\n

Common questions before you apply<\/h2>\n\n\n\n

Use these answers as a starting point. The final recommendation depends on your full borrower profile and program requirements.<\/p>\n\n\n\n

\nAsk a Question<\/a>\n<\/div>\n<\/div>\n\n\n\n
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Can I buy with a low down payment?<\/h3>\n\n\n\n<\/rect><\/polyline><\/svg><\/span><\/rect><\/polyline><\/svg><\/span><\/span>\n<\/div>\n\n\n\n
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Many qualified borrowers may have low down payment options, including FHA, conventional first-time buyer programs, VA, and USDA depending on eligibility.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Do I need perfect credit?<\/h3>\n\n\n\n<\/rect><\/polyline><\/svg><\/span><\/rect><\/polyline><\/svg><\/span><\/span>\n<\/div>\n\n\n\n
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No. Credit requirements vary by program, and some borrowers may have options starting around 580 or 620 depending on the loan path and other details.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Can self-employed borrowers qualify?<\/h3>\n\n\n\n<\/rect><\/polyline><\/svg><\/span><\/rect><\/polyline><\/svg><\/span><\/span>\n<\/div>\n\n\n\n
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Yes, but documentation matters. Happy Mortgage can help you understand what income records may be needed before choosing a program.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Can I finance an investment or multi-unit property?<\/h3>\n\n\n\n<\/rect><\/polyline><\/svg><\/span><\/rect><\/polyline><\/svg><\/span><\/span>\n<\/div>\n\n\n\n
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Investment and multi-unit financing may be available for qualified borrowers, including duplex, triplex, and fourplex property goals.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"

Mortgage Programs Loan Options for Every Path Home Compare low down payment, veteran, rural, conventional, jumbo, refinance, investment, and self-employed borrower options with guidance from Happy Mortgage. Programs to compare Find the right fit by down payment, property type, credit profile, and eligibility Program requirements vary, and qualification is never one-size-fits-all. The goal is to … Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":465,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-36","page","type-page","status-publish","has-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/wp-json\/wp\/v2\/pages\/36","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/wp-json\/wp\/v2\/comments?post=36"}],"version-history":[{"count":30,"href":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/wp-json\/wp\/v2\/pages\/36\/revisions"}],"predecessor-version":[{"id":455,"href":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/wp-json\/wp\/v2\/pages\/36\/revisions\/455"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/wp-json\/wp\/v2\/media\/465"}],"wp:attachment":[{"href":"https:\/\/yaroslavdesigns.com\/projects\/happymortgage\/wp-json\/wp\/v2\/media?parent=36"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}