Privately-backed mortgages not insured by the government, often requiring higher credit scores and larger down payments.

Government-insured loans by the Federal Housing Administration, designed to assist borrowers with lower credit scores and minimal down payments.

Mortgages backed by the Department of Veterans Affairs, available to veterans and eligible service members with favorable terms and no down payment requirements in many cases.

Loans guaranteed by the U.S. Department of Agriculture, offering zero down payment options for eligible rural and suburban homebuyers.

Non-Qualified Mortgages that don't meet traditional lending standards, catering to borrowers with unconventional income sources or credit histories.