Mortgage Financial Services Loan Options Fixed Rate MortgageI have at least 5% available for a down payment. FHA Home LoansI have a small amount for down payment. VA Home LoansI'm a military veteran or actively serving. Cash-Out RefinanceI want to consolidate debt or take cash out of my home. RefinanceI want to payoff my loan faster. RefinanceI want to reduce my monthly payment or rate.