Loans

Find a loan to match your specific needs.

Choose the loan that's
right for you

Conventional

Our most popular loan for borrowers who qualify. Conventional loans offer more flexibility and options, but typically require a higher credit score and down payment.

Jumbo
For high-value properties, Jumbo loans typically require stricter credit and income qualifications.
FHA
A government-backed mortgage designed for borrowers with lower credit scores or smaller down payments.
VA
A government-backed mortgage for veterans, active-duty service members, and eligible spouses, featuring no down payment requirements and competitive interest rates.
USDA
A government-backed mortgage for low-to-moderate-income borrowers in eligible rural and suburban areas, offering no down payment and competitive interest rates.
HELOC
A revolving line of credit that allows homeowners to borrow against the equity in their home, providing flexible access to funds.
Construction & Land
A short-term loan used to finance the construction or renovation of a home or other real estate property. Construction loans can also be used to cover the cost of land, permits, and more.
Agency & Government
Down Payment Assistance Loans to help homebuyers pay for a down payment and closing costs.
Non-Qualified
Radiant Mortgage also offers a variety of non-qualified mortage loans, including Debt Service Coverage Ratio, Bank Statement, Stated Income, and P&L Loans.

Compare loans

Loan Type Min. Down Payment Credit Score Requirement Loan Limit Primary Use Mortgage Insurance Required Unique Features
Conventional 3%-20% 600+ Conforming limits Primary, secondary, investment If less than 20% down Flexible terms, various loan types
Jumbo 10%-20% 660+ Exceeds conforming limits High-value properties No Stricter qualifications for high-value homes
FHA 3.50% 540+ or
580+ manual
FHA limits by county Primary residences Yes Low down payment, flexible credit
VA 0% 540+ or
580+ manual
VA limits by entitlement Veterans, service members No No down payment, no PMI
USDA 0% 640+ USDA limits by area Rural properties No No down payment, rural eligibility
HELOC Varies Good to Excellent Varies by equity Equity access No Revolving credit line based on home equity
DPA Varies Varies Varies Down payment assistance No Assists with down payments
DSCR Varies Varies Varies by property income Investment properties No Focus on rental income for qualification
Bank Statement Varies 600+ Varies Self-employed borrowers No Income verified through bank statements
Construction Typically 20% Good to Excellent Varies by project Home construction No Covers cost of building new homes

Which mortgage type is
right for you?

Fixed Rate Mortgage
A fixed-rate mortgage has a constant interest rate for the entire loan term, unaffected by market changes. The 30-year fixed mortgage is the most popular, offering affordable monthly payments by spreading repayment over time. Other fixed-rate options are also available.

Key Benefits

Adjustable Rate Mortgage
An adjustable-rate mortgage (ARM) is a home loan with an interest rate that is fixed for an initial period, after which it adjusts periodically based on market conditions. This means your payments can fluctuate over time—sometimes rising, sometimes lowering—depending on market factors. ARMs typically offer lower rates at the start, making them appealing for borrowers who plan to move or refinance before the adjustment period begins.

Key Benefits

Learn about the process of securing a loan.