Trusted by Thousands of Homeowners

Home Loans That Help You Reach Your Goals

Buying your first home? Want to get the most out of the one you already have? Whatever your goal, we'll help find the right loan for you.

Loan Options from Scion Lending

Lower Credit Profiles

FHA Loan

Buy or refinance with a lower credit profile and more debt compared to most loans. Perfect for first-time homebuyers.

Min. Down:3.5%
  • As low as 3.5% down payment
  • Lower credit score requirements (580+)
  • Higher debt-to-income ratios accepted
  • Competitive interest rates
Most Popular

30-Year Fixed Conventional

The most popular loan for buying and refinancing. A longer term means lower monthly payments and predictable rates.

Min. Down:3%
  • Fixed interest rate for 30 years
  • Lower monthly payments
  • As low as 3% down payment
  • No upfront mortgage insurance premium
Save on Interest

15-Year Fixed Conventional

Build equity faster with a shorter loan term. Higher monthly payments but significantly less interest paid over the life of the loan.

Min. Down:5%
  • Pay off your home in half the time
  • Lower interest rates than 30-year
  • Save tens of thousands in interest
  • Build equity faster
Military Benefits

VA Loan

Designed with exclusive benefits for military service members, veterans, and eligible spouses. No down payment required.

Min. Down:0%
  • $0 down payment option
  • No private mortgage insurance (PMI)
  • Competitive interest rates
  • Limited closing costs
Rural Properties

USDA Loan

Finance a home in eligible rural and suburban areas with no down payment. Designed to promote homeownership in less densely populated areas.

Min. Down:0%
  • $0 down payment
  • Low mortgage insurance
  • Below-market interest rates
  • 100% financing available
High-Value Properties

Jumbo Loan

For home purchases or refinances above conventional loan limits. Ideal for high-value properties starting at $766,550 and up.

Min. Down:10-20%
  • Finance luxury and high-value properties
  • Competitive rates for qualified borrowers
  • Flexible down payment options
  • No loan limits
Get Cash Out

Cash-Out Refinance

Swap your current loan for one that puts extra cash in your pocket. Tackle home upgrades, consolidate debt, or invest in your future.

Min. Down:N/A
  • Access your home's equity
  • Consolidate high-interest debt
  • Fund home improvements
  • Potentially lower interest rate
Second Lien

Home Equity Loan

Need cash fast? Tap your home's equity while keeping your current mortgage rate. Fixed payments with no refinancing required.

Min. Down:N/A
  • Keep your current mortgage rate
  • Fixed interest rate and payments
  • Fast access to cash
  • No refinancing required
Lower Initial Rate

Adjustable-Rate Mortgage (ARM)

Starts with a fixed interest rate for 5, 7, or 10 years that can be lower than traditional fixed-rate loans. Rate adjusts after initial period.

Min. Down:5%
  • Lower initial interest rate
  • Fixed rate for 5, 7, or 10 years
  • Ideal for short-term homeownership
  • Potential savings in early years

Why Choose Scion Lending?

Expert guidance and personalized service for your home loan journey

Expert Guidance

Our experienced loan officers guide you through every step of the mortgage process

Competitive Rates

We shop multiple lenders to find you the best rates and terms available

Fast Approvals

Streamlined process with quick pre-approvals and efficient closing timelines

Ready to Get Started?

Let's find the perfect home loan for your unique situation. Our team is here to help.

Scion Lending

Your trusted partner in mortgage lending

Contact

NMLS #1812244 | Licensed in PA, CA, VA, TX

© 2026 Scion Lending. All rights reserved.

Equal Housing Lender. Scion Lending is committed to providing equal housing opportunities. All loans subject to credit approval. Rates and terms subject to change without notice.