FHA, VA, USDA Loans

Low- to middle-income families in some rural and suburban areas may be eligible for USDA loans. We partner with the USDA's Rural Development division to offer rural and suburban homebuyers up to 100% financing. These loans have flexible credit guidelines and do not require a down payment.

• Minimum down payment: $0 Down, 100% Financing
• Minimum credit score: 640 minimum FICO, depending on down payment size
• Who they’re typically best for: Rural homebuyers, low-income buyers, buyers who have no down payment savings

VA loans are available to eligible active-duty military personnel and veterans. You can get up to 100% financing without a down payment or monthly mortgage insurance.

• Minimum down payment: $0 Down, 100% Financing
• Minimum credit score: None
• Who they're typically best for: Veterans, active-duty members, and military spouses

An FHA loan is a great option if you're a first-time homebuyer or people with a low credit score. FHA loans are typically easier to qualify for than conventional mortgages. They also allow you to pay as little as 3.5% for a down payment.

• Minimum down payment: As low as 3.5%
• Minimum credit score: 580, depending on down payment size
• Who they're typically best for: First-time homebuyers, people with a low-credit score