FHA loans offer low down payments and flexible credit guidelines — a fit for many buyers with limited savings or credit that is still being rebuilt.
Are you a Veteran? A VA loan usually offers stronger terms for eligible Veterans — often $0 down, no monthly mortgage insurance, and up to 100% LTV. Check VA first.
Buy a home with as little as 3.5% down and more flexible credit guidelines than many conventional loans.
Already have an FHA loan? The streamline refinance can lower your rate or payment with reduced paperwork.
Use your home equity to pay off debt, cover expenses, or fund major purchases — with the trade-offs of a larger, longer loan.
Buy a fixer-upper and finance the renovation costs into a single FHA loan — good for buyers who want to customize a home.
*VA cash-out LTV is subject to lender limits; many lenders cap below 100%. Program terms are set by the VA and HUD/FHA and are subject to change.
Eligible for a VA loan? It usually offers stronger terms.
Compare VA Options →3–20% down. No upfront government fee. Often a fit for stronger credit profiles.
Zero down for eligible rural and suburban properties, subject to income limits.
For loan amounts above conforming limits. Higher-value properties.
Alternative income documentation. Often used by self-employed borrowers.