This is a house you purchase with the intention to occupy it as your personal residence on a full-time basis. The minimum down payment is 5% of the first $500k, plus 10% on the amounts between $500k and $999,999, and 20% for everything over $1M.

This is a secondary house that you intend to use as a vacation home - you won't live in it full time but also won't rent it out. The minimum required down payment follows the same rules as owner-occupied homes in most cases.

This is a property that you intend to generate income from through renting it to tenants. The minimum down payment is 20% on all rental properties.

When building a custom home, you typically use a "construction draw mortgage" where the mortgage lender advances you funds in increments based on the progress of the construction.

For those who have found a house in the perfect spot, but the house itself needs a little TLC.

A Purchase + Improvements mortgage allows you to buy the house, then have additional funds to cover those needed renovations right after closing. 

For those who have great income and fantastic credit, but you don't have quite enough down payment savings. 

A Flex Down Mortgage allows you to borrow some or all of your down payment from a different credit source, like a line of credit or personal loan.

For those who are self-employed and have a unique income structure because of it. 

The Business for Self mortgage gives you the ability to prove your income using less traditional methods, like self-declaring your income or providing bank statements alone.

For those who have many assets and strong credit, but don't claim a significant annual income.

The High Net Worth program allows you to purchase a property by proving that you have significant liquid assets and a strong credit history, rather than proving traditional income sources.