Most buyers choose between conventional loans and government‐backed loans. Conventional loans usually require higher credit scores and larger down payments but can offer competitive interest rates. Government‐backed programs, such as FHA loans (low down payment), VA loans (for eligible veterans and service members) and USDA loans (rural housing), provide more flexible requirements and lower down payments. Your choice will depend on factors like your credit history, income, property location and whether you are a first‐time buyer.

To explore which programs you may qualify for, start with a consultation on our Get Pre‐Approved page, and browse our neighborhood guides like Amherst or Williamsville to see how loan limits vary by area.