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Purchase or refinance your home. FHA, VA, conventional, DSCR, bank statement loans and more.
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Get from inquiry to funding in three simple, transparent steps.
Fill out our quick 60-second online questionnaire describing your loan needs.
Our proprietary network selects the top lenders offering the lowest rates for your situation.
Connect with your matched lender to finalize terms and access funds in 1 to 3 days.
We cover the full spectrum of home mortgage and fast personal financing options.
Low down payment mortgages for buyers with flexible credit criteria.
Premium military benefits featuring $0 down payment and no monthly PMI.
Purchase options for borrowers with credit scores down to 500.
Qualify for a home loan using bank statements instead of standard W-2 tax filings.
Investor property financing based entirely on rental revenue cash flow.
Fast online unsecured cash loans up to $50,000 for any purpose.
Compare real-time rates from top US lenders. No credit pull required to check.
Updated August 25, 2026
| Lender | Rate | Action |
|---|---|---|
Veterans United | 5.500% | Check Rate |
Navy Federal CU | 5.500% | Check Rate |
Better.com | 5.625% | Check Rate |
New American Funding | 5.625% | Check Rate |
Rocket Mortgage | 5.750% | Check Rate |
CrossCountry Mortgage | 5.750% | Check Rate |
Rates shown are illustrative. Actual rates vary by credit score, location, and loan details.
Compare All Lenders →Estimate your mortgage payment, refinance savings, or debt-to-income ratio in seconds.
20.0% down
Answers to common questions about checking your rate and qualifying for our loan programs.
Join thousands of US borrowers who found the right lender through WeCloseLoans.
“Got matched with an FHA lender in under a minute. Closed on my first home 3 weeks later with just 3.5% down. No hard credit pull was a huge plus!”
Sarah M.
Austin, TX
“Self-employed and couldn't get approved anywhere. WeCloseLoans matched me with a bank statement loan lender. Closed in 18 days.”
Marcus T.
Phoenix, AZ
“My credit score was 590 and I thought I'd never buy a house. Got pre-qualified instantly and my lender got me approved at 5.875%.”
Jennifer R.
Tampa, FL
“Used the personal loan option to consolidate $22,000 in credit card debt. Cut my monthly payment in half. Process took 2 days.”
David K.
Denver, CO
“DSCR loan for my first investment property. No income verification needed, just the rental income qualified me. Super smooth.”
Linda P.
Columbus, OH
“VA loan with $0 down. As a veteran I was worried about the process but WeCloseLoans made it effortless. No PMI, great rate.”
Robert H.
Atlanta, GA
Expert tips, requirements, and guides to help you navigate your borrowing journey.
FHA loans remain the #1 choice for first-time homebuyers and borrowers with credit scores down to 500. We ranked 11 national FHA lenders based on rates, credit flexibility, fees, and closing speed.
Think you can't buy a home because of a poor credit score? Think again. 7 specialized mortgage programs accept scores down to 500 — find the right one for you.
If you are self-employed, tax write-offs are great for reducing your tax bill, but terrible for getting a mortgage. Bank statement loans solve this exact issue.