Buy
financing options for all scenarios
Conventional Mortgages
A traditional home loan that is not guaranteed by the government. While they can typically have the more favorable loan terms, they can be a bit more difficult to qualify for compared to government programs.
Down Payment
Qualify with as little as 3% down.
Mortgage Insurance
Multiple mortgage insurance options are available; not always required.
Jumbo
Financing for loan amounts exceeding conforming limits ($832,750 as of 2026).
Renovation
Allows you the ability to finance the purchase & renovation of your your new house to make it the perfect home.
Vacation or Investment Homes
Financing available for well qualified borrowers to purchase your dream vacation home or investment property.
Government Mortgages
Loans with a form of guaranty from the government. Generally speaking, these programs have lower down payments requirements and are easier to qualify for. Plus, they offer flexibility in terms of credit and overall debt.
FHA
3.5% down payment requirement. Ability to qualify with fair-to-good credit. Allows for gift funds and non occupant co-borrowers.
VA
100% financing eligible for Veterans, those in Active Duty and/or Reserves. No monthly mortgage insurance required.
USDA/Rural Development
Financing up to 100% for properties in rural areas. First-time and repeat buyers may qualify.
Down Payment Assistance Programs
Down Payment Assistance programs are available to help make your dream of owning a home a reality. These programs may have restrictions surrounding being a first-time home buyer, income limits, purchase price limits or other specific criteria. It’s important to consult with us to help determine your eligiblity.
Freddie Mac BorrowSmart
Eligible income-qualified borrowers may receive a grant up to $2,500 to be used towards down payment or closing costs.
Dart GO
Helps qualified first-time home buyers with up to $10K towards down payment and closing costs.
MSHDA
Up to $10K down payment assistance offered by the Michigan State Housing Development Authority.
Portfolio Mortgages
Experience the Dart Difference. These are our specialized loan programs offered by Dart Bank.
Vacant Land
Buy now, build later! For purchase of vacant land (both improved and unimproved) in the state of Michigan.
Bridge Loans
A short-term loan that helps you "bridge" the gap between the purchase or construction of your new home and the sale of your current home.
Dart 100
100% financing for properties in the lower peninsula of Michigan (including those outside of rural areas).
Physician Loans
100% financing eligible for physicians with no private mortgage insurance.
Community Heroes
100% financing for those serving in our communities. Contact us for more details.
Non-Warrantable Condos
Loan option for certain condominium projects that do not meet conforming warrantability standards.