Home Loans for Every Buyer
One lender for every mortgage — FHA, VA, conventional, jumbo, USDA, refinance, and investor loans like DSCR, hard money, and bridge. Low down payments, flexible credit, and fast pre-approval nationwide.
- Purchase, refinance & renovation programs under one roof
- Low- and no-down-payment options (FHA, VA, USDA)
- Investor loans: DSCR, hard money, bridge & fix-and-flip
- First-time buyer & down-payment-assistance pairing
- Direct lender since 1998 · available in all 50 states
Home Loan Application
Home Loans — Key Facts (2026)
- Programs: FHA, VA, conventional, jumbo, USDA, refinance, HELOC, construction, and investor loans (DSCR, hard money, bridge, fix & flip).
- Down payment: From 0% (VA/USDA) and 3% (conventional) to 3.5% (FHA) — plus low-doc investor options.
- Credit: Programs for scores as low as 500–580, and premium pricing for strong credit.
- Use: Buy a home, refinance, pull equity, renovate, build, or finance an investment property.
- Lender: CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020, all 50 states.
Start here
Which home loan is right for you?
Whether you are buying your first home, refinancing, tapping equity, or financing a rental or flip, we match you to the right program and rate. Explore the options below, then get pre-qualified in minutes — we lend nationwide and shop the loan around your credit, income, and goals.
For buyers
Home loans to buy a home
| Program | Best for | Details |
|---|---|---|
| FHA Loans | 3.5% down, 580 credit, gift funds allowed. Best for first-time and lower-credit buyers. | Learn more → |
| VA Loans | 0% down for eligible veterans, active-duty and surviving spouses. No monthly mortgage insurance. | Apply → |
| Conventional Loans | As little as 3% down for strong-credit buyers. PMI cancels at 20% equity. | Apply → |
| Jumbo Loans | Financing above conforming limits for high-value homes. | Apply → |
| USDA Loans | 0% down for eligible rural and suburban buyers who meet income limits. | Apply → |
| First-Time Buyer | Low-down-payment programs and down-payment-assistance pairing. | Apply → |
| Adjustable-Rate (ARM) | Lower intro rate for 5, 7, or 10 years before it adjusts. Good for shorter holds. | Learn more → |
For homeowners
Refinance & home equity
| Program | Best for | Details |
|---|---|---|
| Rate & Term Refinance | Lower your rate or change your term to reduce your payment. | Apply → |
| Cash-Out Refinance | Tap your equity for renovations, debt payoff, or investing. | Apply → |
| FHA Streamline Refinance | Lower your FHA rate with reduced docs and often no new appraisal. | Learn more → |
| HELOC / Home Equity | Access equity with a line of credit or second mortgage. | Apply → |
| Construction / One-Time-Close | Build and finance with a single closing. | Apply → |
For investors
Investment property loans
| Program | Best for | Details |
|---|---|---|
| DSCR Loans | Qualify on the property's rental income, not your tax returns. 30-40 yr terms. | Learn more → |
| Hard Money Loans | Fast, asset-based funding up to 95% LTC for flips and bridges. | Learn more → |
| Bridge Loans | Short-term financing to buy before you sell or reposition a property. | Learn more → |
| Fix & Flip Loans | Purchase + rehab capital with draws for renovation projects. | Apply → |
Free tool
Mortgage payment calculator
Estimate your monthly principal and interest. Add your down payment to see your loan amount. Illustrative only; taxes, insurance, and any mortgage insurance are not included.
Your loan
Illustrative only; not a commitment to lend. Excludes taxes, homeowners insurance, HOA, and mortgage insurance. We confirm your rate and program at application.
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Get pre-qualified — nationwide
One application, every program. Start below or call (800) 826-5077 to talk with a loan expert.
Home Loan Application
Why us
Why buy or refinance with CambridgeHomeLoan.com
- Direct lender since 1998 — in-house underwriting and fast answers
- Every major program under one roof — we match you to the best fit
- Low- and no-down-payment options for first-time and repeat buyers
- Investor loans that qualify on the property, not your tax returns
- Licensed and lending in all 50 states · NMLS #1826020
Answers
Home loan FAQ
What is the lowest down payment home loan?
VA and USDA loans allow 0% down for eligible buyers. FHA requires just 3.5% with a 580 score, and conventional loans start at 3% down for strong credit.
What credit score do I need to buy a home?
It depends on the program. FHA can go as low as 500-580, conventional typically wants 620+, and investor loans like DSCR focus on the property's cash flow more than your score.
Which home loan is best for a first-time buyer?
FHA is popular for low down payment and flexible credit; VA is best if you are eligible; and some buyers use conventional 3%-down programs. We compare all of them for your situation.
Can I refinance to lower my payment?
Yes. Rate-and-term refinancing can lower your rate or extend your term, and cash-out refinancing lets you tap equity. FHA and VA also offer streamline refinances.
Do you offer loans for investment properties?
Yes. We offer DSCR loans (qualify on rental income), hard money, bridge, and fix-and-flip financing for investors nationwide.
Are you licensed nationwide?
Yes. CambridgeHomeLoan.com is a direct lender, NMLS #1826020, helping buyers and owners in all 50 states.
Explore programs
Popular home loan programs
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Programs, rates, down payment, credit, and terms are for 2026, illustrative, subject to change without notice, and subject to borrower, property, and program qualification and underwriting approval. Not all applicants will qualify for all programs. This page is informational and does not constitute financial, legal, tax, or investment advice.