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FHA Mortgage Benefits and Highlights
Lower down payment requirements (as little as 3.5% on most products), with gifts funds eligible for use towards your down payment.
Lower credit scores requirements.
is able to finance your FHA loan with less-than-perfect credit scores and a FICO as low as 500.
A higher Debt-to-Income (DTI) ratio is acceptable.
Using an FHA 203k loan, upgrade, improve, or rehabilitate existing and new homes.
In some cases, you can use an FHA loan to refinance to avoid facing foreclosure if you are experiencing financial hardship.
VA Mortgage Benefits and Highlights
Available to all active duty military personnel, veterans, military reserve and National Guard members, and their surviving spouses if they do not remarry.
No down payment required.
No monthly mortgage insurance payments required.
Available as both fixed and adjustable rate options.
Eligible credit scores as low as 500.
Ability to finance the VA Funding Fee into the mortgage.
Active duty military members may be eligible to use certain military entitlements to pay for their mortgage.
USDA Mortgage Benefits and Highlights
No down payment required.
Low monthly mortgage insurance (MI).
Lower income requirements for the borrower.
Lower closing costs.
Up to 100% of the property value can be financed.
Income and geographical location eligibility requirements apply.
Property must be owner-occupied.
Conventional Mortgage Benefits and Highlights
Must have a credit score of at least 620. The higher the score, the lower the interest rate on your loan.
has a flexible underwriting process where we focus on your individual circumstances and not just your Credit Score or Fannie Mae's automated computer model.
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