Loan Options
Find the right loan for your situation
From first-time buyers to seasoned investors, Sterling offers a full range of mortgage programs with competitive rates and fast closings.
Purchase Loans
Buy your next home with confidence
Whether you're buying your first home or your fifth, our purchase loan programs are designed to get you to the closing table fast — with clear terms and no surprises.
Key Benefits
Loan Details
Refinance
Lower your rate or tap your equity
Refinancing with Sterling is straightforward. Whether you want to reduce your monthly payment, shorten your loan term, or access cash from your home's equity, we'll find the right path.
Key Benefits
Loan Details
FHA Loans
Low down payment, flexible qualifying
FHA loans are backed by the Federal Housing Administration and designed to make homeownership accessible — especially for first-time buyers or those rebuilding credit.
Key Benefits
Loan Details
VA Loans
Earned benefits for those who served
VA loans are a benefit earned through military service. They offer exceptional terms — including zero down payment and no private mortgage insurance — for eligible veterans, active-duty service members, and surviving spouses.
Key Benefits
Loan Details
Jumbo Loans
High-value financing without compromise
For properties that exceed conforming loan limits, Sterling's jumbo programs offer flexible terms and competitive rates — without the red tape typically associated with large loan amounts.
Key Benefits
Loan Details
Rates shown are for illustrative purposes only and are subject to change without notice. Actual rate depends on credit profile, loan amount, property type, and market conditions. Not a commitment to lend. NMLS #000000.
Side by Side
Compare loan programs
| Program | Min. Down | Min. Credit | PMI / MIP | Best For |
|---|---|---|---|---|
| Purchase (Conv.) | 3% | 620 | If < 20% down | Most buyers |
| Refinance (Conv.) | 3% equity | 620 | If LTV > 80% | Rate reduction / cash-out |
| FHA | 3.5% | 580 | Required | First-time / lower credit |
| VA | 0% | 580 | None | Veterans & active duty |
| Jumbo | 10–20% | 700 | Varies | High-value properties |
Not sure which loan is right for you?
Our loan specialists will walk you through every option — no pressure, no obligation.