A smarter way to compare mortgage options.
We do not just list products. We help you understand which loan programs fit your goals, where each option is strongest, and when another structure may serve you better.
Most requested
Start with the programs borrowers ask about most.
These are often the first options we compare, but the right answer depends on your credit, income, property, timeline, and long-term homeownership goals.
250+
Loan programs
100+
Lender partners
22
States licensed
Conventional Loan
The flexible standard for strong-credit buyers.
Min. down payment
3%–5%
Min. credit score
620
Mortgage insurance
Cancellable at 20% equity
FHA Loan
Lower credit and down payment thresholds, backed by HUD.
Min. down payment
3.5%
Min. credit score
580
Gift funds
100% allowed
VA Loan
Zero down, no PMI — earned by your service.
Down payment
$0
Monthly PMI
None
Funding fee
Can be financed; waived for some
Buying a home
Purchase programs built around your next address.
From first homes to high-balance properties, BISU helps you compare structure, payment, mortgage insurance, and long-term fit.
Conventional Loan
The flexible standard for strong-credit buyers.
Min. down payment
3%–5%
Min. credit score
620
FHA Loan
Lower credit and down payment thresholds, backed by HUD.
Min. down payment
3.5%
Min. credit score
580
VA Loan
Zero down, no PMI — earned by your service.
Down payment
$0
Monthly PMI
None
Jumbo Loan
Financing above conforming limits, without the runaround.
Loan size
Above conforming limits
Down payment
From 10%
Reposition your loan
Refinance and home equity strategies for what comes next.
Lower your payment, tap equity, consolidate debt, or rethink your mortgage structure with a clear comparison of options.
Refinance
Lower your payment, shorten your term, or change your loan.
Goal
Rate / term / MI removal
Break-even
We calculate it for you
Cash-Out Refinance
Turn equity into cash for what matters.
Access
Up to 80% of value (typical)
Use of funds
Your choice
HELOC
Flexible access to home equity without replacing your first mortgage.
Access
Draw as needed
Keeps first loan
Yes
HELOAN
A fixed home equity loan for predictable access to cash.
Funding
Lump sum
Keeps first loan
Yes
Portfolio growth
Investor financing that works beyond the standard box.
DSCR and investor-focused products help real estate buyers scale using property cash flow and flexible structures.
Complex income
Specialty lending for borrowers banks often misunderstand.
Self-employed, bank statement, and nontraditional scenarios deserve thoughtful structuring instead of an automatic no.
Not sure which loan fits?
You do not need to know the product before you talk to us. Tell us what you are trying to accomplish, and we will compare the strongest routes with no credit pull to get started.