Explore the mortgage options available at Benchmark.
Step into the mortgage scene confidently with our selection of loan products. Whether it's a conventional loan, an FHA option, or a VA loan for veterans, we're here to help you choose wisely. Get in touch to begin the pre-qualification process today.
Loan Programs
Every situation is different. Start with what you're trying to do and we'll point you to the right program — then a loan officer confirms it. Click on an option below to learn more.
BENCHMARK NEVER QUITS
Boutique in how we operate — relationship-first, hands-on, personally accountable. National in reach. That combination is rare, and it's the whole point.
Years Lending
We look at the full picture, not just a number on a screen.
States Licensed
Wherever life takes you. Including PCS moves, we can lend there.
People
Not A Call Center
Your loan officer answers the phone. Many have lived the military life.
Raised For Veterans
Boot'n & Shoot'n with Valor Mission Project funds TBI/PTSD rehab and Third Option Foundation.
FAQ
Which loan is right for me?
Short answers to the questions we hear most. Every product page has its own set.
Which loan program is right for me?
Start with your situation: how much you have for a down payment, your credit profile, where you’re buying, and how you earn. Veterans usually start with VA; first-time buyers with limited savings often compare FHA and conventional; self-employed borrowers may fit Non-QM. A loan officer confirms the fit in one conversation.
Can I combine down payment assistance with these programs?
Often, yes. Down payment assistance pairs most commonly with FHA and conventional HomeReady or Home Possible loans. Availability and amounts vary by state and program, so ask your loan officer what applies where you’re buying.
What credit score do I need?
Minimums vary by program — from 580 for conventional, FHA, and VA to 660 for jumbo. Some programs will review borrowers with no credit score case by case. A lower score doesn’t mean no; it means we look at which program fits.
I was told no by another lender. Is it worth trying again?
Yes. Different lenders use different programs and different underwriting. Non-QM and manual underwriting exist for exactly this situation. We look at the full file, not just what an automated system reads.
Do I need a 20% down payment to buy a home?
No. Many buyers put down less, depending on the loan program. There are several options designed to make homeownership more accessible — including FHA (3.5% down), VA and USDA (0% for those who qualify), and conventional loans with as little as 3% down for first-time buyers.
Ready when you are — no pressure, no pitch.
Get a real answer in minutes. Or talk to a local loan officer first. You pick the pace.