Government Loans are great for the first time home buyer with little to no credit. Down payment assistance is offered to borrowers without a large downpayment. Borrowers can also expect to put down less towards the purchase of the property, along with borrow at a lower interest rate.


  • Allows little to no credit and alternative credit.
  • Allows non occupant co-signers.
  • Lower interest rates compared to conventional loans.
  • Ability to streamline refinance process.
  • Low Down payment.


  • Resales are not allowed before 91 days.
  • Mortgage insurance can not be removed.
  • Harder to approve once declined by another bank.
  • Have to pay Upfront Mortgage Insurance.

Federal Housing Administration (FHA)

Part of HUD – insures the loan, so your lender can offer you a better deal. Often get Low down payments, Low closing costs, and Easy credit qualifying.

FHA Standard

Regular FHA with 640 fico purchase, rate and term, cash out


FHA with 580 to 639 fico purchase, rate and term, cash out

FHA W2 Only

AUS finding require only w2 and w2 transcript no tax return

FHA Streamline

Refinance no appraisal, with or without credit qualifying

Veterans Benefits Administration

VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

VA Refinance

Standard rate/ term and cash out. VA’s Cash-Out Refinance Loan is for homeowners who want to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. The Cash-Out Refinance Loan can also be used to refinance a non-VA loan into a VA loan. VA will guaranty loans up to 100% of the value of your home.

VA Purchase

Standard VA for veterans. With a Purchase Loan, VA can help you purchase a home at a competitive interest rate, and if you have found it difficult to find other financings.

Other VA Programs Available

  • VA W2 Only
  • VA Cash Out Refinance

USDA (aka Rural Development Loan)

Standard purchase and rate and term.

A USDA loan (also called a Rural Development Loan) is a government-insured home loan that allows you to purchase a home with NO Money Down. USDA Home Loans offer 100% financing to qualified buyers and allow for all closing costs to be either paid for by the seller or financed into the loan. USDA offers some the lowest rates of any loan, and you will always have a fixed interest rate.

When you focus on what matters, the results make it all worth it.