Loan Programs

Government Loans: Accessible Homeownership for Everyone

Government-backed loan programs are designed to make homeownership accessible to a broader range of Americans, offering low down payments, competitive rates, and flexible qualification requirements.

FHA Loans: Low Down Payment Solutions

Federal Housing Administration (FHA) loans are perfect for first-time homebuyers and those with limited savings. With down payments as low as 3.5% and flexible documentation requirements, FHA loans open the door to homeownership for millions of Americans.

FHA Highlights:

• 3.5% down payment
• Multi-family properties (up to 4 units) eligible
• Manual underwriting available for unique situations

VA Loans: Honoring Those Who Served

Veterans, active-duty service members, and eligible surviving spouses can take advantage of VA loans—one of the best mortgage programs available. No down payment required, no private mortgage insurance, and competitive interest rates make VA loans an exceptional benefit.

VA Advantages:

• 0% down payment
• No PMI required
• Competitive interest rates
• Available for primary residences

USDA Loans: Rural Property Financing

The USDA loan program helps promote homeownership in rural and suburban areas. Qualified buyers can purchase homes with no down payment in USDA-designated areas.

USDA Features:

• 0% down payment
• Rural and suburban properties
• Income limits apply
• Competitive rates

Program Highlights:

• Minimum Down Payment: 0% (VA/USDA) / 3.5% (FHA)
• Property Types: Single-family, condos, townhouses, multi-family (up to 4 units)

Who Should Consider Government Loans?

• First-time homebuyers
• Veterans and military families
• Rural property buyers
• Buyers with limited down payment funds
• Those rebuilding credit

Contact us to explore which government loan program is right for you.