Loan Programs

Find the Loan That Fits You.

There is no one-size-fits-all mortgage. Your CityWorth Mortgage Expert matches your situation to the right program, and explains exactly why.

FHA VA Conventional USDA Non-QM Medical Professionals

FHA Loans.

The first-time buyer favorite.

Backed by the Federal Housing Administration, FHA loans open the door with lower down payments and more flexible credit requirements.

Best for:

First-time buyers and anyone rebuilding credit

Down payments as low as 3.5%

More flexible credit score requirements

Competitive rates even with a smaller down payment

Gift funds allowed toward your down payment

VA Loans.

Earned by your service.

Available to veterans, active-duty service members, and eligible surviving spouses. VA loans are among the strongest benefits in all of home financing.

Best for:

Veterans, active-duty military, and eligible spouses

0% down payment required

No monthly mortgage insurance

Competitive rates and limited closing costs

Reusable benefit for future home purchases

Conventional Loans.

The flexible standard.

The most common loan type, with options that reward strong credit and let you shape the loan around your down payment and timeline.

Best for:

Buyers with solid credit and steady income

Down payments starting at 3% for qualified buyers

Mortgage insurance drops off once you reach 20% equity

Fixed and adjustable rate options

Works for primary homes, second homes, and rentals

USDA Loans.

Zero down outside the city.

Designed for homes in eligible rural and suburban areas, USDA loans make ownership possible with no down payment at all.

Best for:

Buyers in eligible rural and suburban areas

0% down payment required

Competitive fixed rates

Income limits apply based on household size and area

Non-QM Loans.

Built for real life.

Traditional paperwork does not fit everyone. Non-QM programs qualify you using bank statements, rental income, or assets instead of standard W-2s.

Best for:

Self-employed buyers, investors, and unique income situations

Bank statement loans for self-employed buyers

DSCR loans that qualify on rental income, not personal income

Asset-based and ITIN options available

A path forward when standard loans say no

Medical Professionals Loans.

Up to 100% financing. No PMI.

Designed for physicians, dentists, and other eligible healthcare professionals, including residents and fellows. Buy with no down payment and no mortgage insurance on loans up to $2M.

Best for:

Doctors, dentists, pharmacists, veterinarians, NPs, CRNAs, residents, and fellows

See the full program

Up to 100% financing, no down payment required

No monthly mortgage insurance

Loan amounts up to $2,000,000

Student loans in deferment may be excluded for residents and fellows

Close before your new position starts using your employment contract

Not sure which one fits?

Get pre-qualified and your Mortgage Expert will match you to the strongest program for your situation.

Get Pre-Qualified