Loan Programs
FHA (Federal Housing Administration)
USDA (United States Dept. of Agriculture)
FHA (Federal Housing Administration)
Low Down Payment. Flexible Guidelines.
- Min. Down: 3.5%
- Credit Score: 580+
- Mortgage Insurance: Required
- Great for: First-time homebuyers, low-to-moderate income
VA (Veterans Affairs)
USDA (United States Dept. of Agriculture)
FHA (Federal Housing Administration)
Zero Down. No PMI.
- Min. Down: 0%
- Credit Score: 580–620+
- Mortgage Insurance: None
- Great for: Eligible Veterans & Active Duty
USDA (United States Dept. of Agriculture)
USDA (United States Dept. of Agriculture)
USDA (United States Dept. of Agriculture)
Zero Down. Rural Areas.
- Min. Down: 0%
- Credit Score: 620+
- Mortgage Insurance: Reduced
- Great for: Rural and suburban buyers with income limits
Conventional
USDA (United States Dept. of Agriculture)
Strong Credit = Better Terms.
- Min. Down: 3% (first-time buyers)
- Credit Score: 620+
- Mortgage Insurance: Required under 20% down
- Great for: Buyers with good credit and stable income
Non-QM (Non-Qualified Mortgage)
Unique Loans for Unique Situations.
- Min. Down: Varies
- Credit Score: Flexible
- Mortgage Insurance: Depends on product
- Great for: Self-employed, investors, credit challenges, alternative income verification
Reverse Mortgage (HECM)
Converts equity into cash for homeowners 62+
- Unlocks home equity for homeowners aged 62 and older
- Provides tax-free cash without selling your home
- No monthly mortgage payments required
- You continue to own and live in your home
4.9 ⭐⭐⭐⭐
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