Compare real estate loans

Select your state on the map to see loans and lenders serving your area.

  • Residential, investment and commercial
  • Lenders organized by state
  • Free to browse
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Lenders offering the loan types on this site. Contact them directly to ask about rates, requirements and timelines.

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Finding the right real estate loan, state by state

A real estate loan is money borrowed to buy, build, refinance or improve property, with the property itself serving as security. The right loan depends on what you are buying, how you plan to use it and where it is located. We organize loan options and lenders by state so you can compare what is actually available in your area.

Residential loans

Financing for a primary home or second home. Common options include conventional, FHA, VA, USDA and jumbo loans, plus refinancing to change your rate, term or cash position.

Investment loans

Financing for rental properties, fix and flip projects and portfolios. Lenders often weigh the property's rental income, such as with DSCR loans, alongside your own finances.

Commercial loans

Financing for office, retail, industrial and larger multifamily buildings. Terms are typically structured around the property's income, the borrower's experience and the business plan.

How to compare loans

  1. Choose your state. Lending rules, property taxes and lender coverage differ across the country.
  2. Pick the loan category. Decide whether you are financing a home, an investment property or a commercial building.
  3. Compare rates, fees and terms. Look at the total cost, including origination fees, closing costs, prepayment terms and the loan length, not only the headline rate.
  4. Prepare your documents. Expect to share income records, bank statements, details on the property and information on your existing debts.
  5. Talk to lenders. Ask about timelines, requirements and any conditions before you commit.

Real estate loan questions

What types of real estate loans are there?

Real estate loans fall into three broad groups: residential loans for homes you live in, investment loans for rental and resale property, and commercial loans for office, retail, industrial and larger multifamily buildings. Each group has its own loan products, down payment expectations and qualification rules.

How much down payment do I need?

It depends on the loan and the property. Some owner-occupied residential programs allow low down payments, while investment and commercial loans commonly ask for a larger share of the purchase price. A lender can tell you the exact figure for your situation.

What do lenders look at when I apply?

Most lenders review your credit history, income or property cash flow, existing debts, available cash for the down payment and reserves, and the value and condition of the property being financed.

Are rates the same in every state?

No. Rates and terms vary by lender, loan type, property and borrower profile, and some lenders only operate in certain states. That is why we organize lenders by state.

Does comparing loans on this site affect my credit?

Browsing and comparing information does not. A lender may run a credit check only when you formally apply, so ask each lender how and when they check credit.