Financing Options for U.S. Residents
Explore programs tailored for U.S. citizens and residents purchasing a primary home.
For U.S. residents buying a home to live in.
Your financing choice impacts everything—rates, down payment, timeline, and long-term success. ArBlo matches your profile and property with the right lender and program, whether you're a first-time buyer, seasoned investor, or international purchaser. We simplify what others complicate, delivering transparent guidance every step of the way.
Conventional Loans
Best for: Experienced buyers with strong credit and stable income
Why choose it:
Competitive fixed rates with flexible terms
Widely accepted for primary residences
Option to avoid PMI with 20% down
Typical requirements:
Credit score 620+
Down payment from 3% (first-time buyers) to 20%
Full income, asset, and employment documentation
PMI required if down payment is under 20%
Perfect for a $500K condo with 20% down and proven W-2 income.
Docs at a glance:
W-2s or paystubs · Bank statements · Tax returns
Timeline: 30-45 days
Get pre-qualified
Examples provided are illustrative and may not reflect actual lender offers.
FHA Loans
First-time homebuyers with limited down payment funds
Why choose it:
Down payments as low as 3.5%
Flexible credit requirements (580+ score)
Typical requirements:
Owner-occupied properties only
Mortgage insurance required
Debt-to-income ratio ≤ 57%
Ideal for your first Miami home — a $300K condo with just $10,500 down (3.5%) and 580+ credit score.
Docs at a glance:
W-2s/Paystubs; Bank statements; Tax returns
Timeline: 30-45 days
See if I qualify
Examples provided are illustrative and may not reflect actual lender offers.
VA Loans
Eligible veterans and active military personnel
Why choose it:
Zero down payment required
No private mortgage insurance (PMI)
Typical requirements:
Valid Certificate of Eligibility (COE)
Owner-occupied properties only
Satisfactory credit and income
VA funding fee may apply; no PMI
Buy your $400K Florida home with no money down — save over $1,500 on upfront costs and ~$300/month by avoiding PMI.
Docs at a glance:
COE; W-2s/Paystubs; Bank statements; Tax returns
Timeline: 30-45 days
See if I qualify
Examples provided are illustrative and may not reflect actual lender offers.
From pre-qualification to closing, here’s the roadmap to secure your loan with confidence.
Pre-Qualification
Quick income and credit assessment to determine buying power.
Gather W-2s, pay stubs, bank statements, and tax returns.
Underwriting
Lender reviews and verifies all documentation and creditworthiness.
Appraisal & Close
Property appraisal completed, final approval, and closing scheduled.
Financing Glossary
DSCR
Debt Service Coverage Ratio - A measure of property cash flow calculated as Net Operating Income divided by total debt service (mortgage payments).
LTV
Loan-to-Value ratio - The percentage of the property's value that is financed. For example, an 80% LTV means you're borrowing 80% and putting 20% down.
DTI
Debt-to-Income ratio - Your total monthly debt payments divided by your gross monthly income, expressed as a percentage.
Reserves
Cash or liquid assets held in reserve after closing, typically measured in months of mortgage payments. Required by many lenders as a safety cushion.
Not sure which program fits you?
Talk to a specialist today.
Answering your questions
Got more questions? Send us your enquiry below
Still have questions? Our specialists are here to guide you through the best option for your needs.
Information provided is for educational purposes only and should not be considered financial or legal advice. Loan terms, rates, and requirements vary by lender and borrower profile. Please consult with a licensed professional for personalized guidance.