Category
VA
Buy a home with no down payment, no PMI, and flexible credit requirements for veterans and service members.
FHA
Make homeownership possible with a low down payment and easier approval, even with less-than-perfect credit.
Conventional
Purchase your home with flexible terms, low rates, and no upfront mortgage insurance.
Jumbo
Buy high value or luxury homes with financing that exceeds conventional loan limits.
Doctor’s Loan
Secure your new home with low or no down payment, no PMI, and custom terms built for medical professionals.
First Time Home buyers
Start your homeownership journey with low down payment options, financial assistance, and expert support.
Category
VA
Buy a home with no down payment, no PMI, and flexible credit requirements for veterans and service members.
FHA
Make homeownership possible with a low down payment and easier approval, even with less-than-perfect credit.
Conventional
Purchase your home with flexible terms, low rates, and no upfront mortgage insurance.
Jumbo
Buy high value or luxury homes with financing that exceeds conventional loan limits.
Doctor’s Loan
Secure your new home with low or no down payment, no PMI, and custom terms built for medical professionals.
First Time Home buyers
Start your homeownership journey with low down payment options, financial assistance, and expert support.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
Lower, LLC DBA Oxford Home Lending | NMLS #1124061 | www.nmlsconsumeraccess.com.
Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
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Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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