Please ensure Javascript is enabled for purposes of website accessibility

Government Home Loans and FHA Loans

Our government home loans and FHA loans offer suitable solutions for families and individuals beyond what conventional loans can provide.

Are you eligible for a government home loan?

If you are an active retired serviceperson, plan to use the FHA loan for your home purchase, or are looking to live in a designated rural area, these government home loan options may be the right choice for you. We pair you with the most suitable loan for your circumstances, income and financial situation.


Government Mortgage Loan Programs

FHA Loans

FHA 203k Home Loan

FHA Streamline Refinance

USDA Loans

VA Loans

More Options

Our Government Mortgage Loans include:​

FHA Loans

If you are a first-time homebuyer an FHA Loan might be a good choice for its relaxed requirements.FHA loans are partially insured by the government, which reduces a lender’s risk and makes qualifying for the loan simpler. That means you may be able to make that purchase investment much sooner than you hoped. Give us a call and we’ll walk you through everything you need to know to find out if this is the right solution for you.

You may qualify to buy with a low, 3.5% down payment. Credit scores from 620 are allowed for fixed-rate loans. Both fixed-rate and adjustable-rate mortgages (ARMs) available. You may finance a single-family home, 2-4 unit property, modular home, condominium or a Planned Unit Development (PUD) property. Temporary buydowns may reduce your initial interest rate for 1-2 years.

FHA 203(h) Fixed and High Balance Fixed

If you are looking to buy a home that requires repairs or renovations an FHA 203k can help provide those additional funds before moving in. Credit scores from 620 are allowed. You are required to finance at least $5,000 of renovation/repair work. The total loan amount depends on several factors, including which Rehab loan is best for you! Eligible properties include single-family homes, 2-4 unit properties, modular homes, and Planned Unit Development (PUD) properties.

FHA Streamline Refinance

If you currently have an FHA mortgage, an FHA Streamline Refinance offers several options.

USDA Rural Housing Fixed

The United States Department of Agriculture (USDA) Rural Housing Fixed home loan is an area-specific loan designed for individuals moving to or living in particularly rural areas. Qualified locations allow for home loans on all standard property types for a primary residence. Approved property types include single-family, modular, condominium and more.

Take advantage of our elite USDA rates starting at a 640 credit score. Special low rates for qualified borrowers – $125,000 minimum loan amount 100% financing – no down payment required. Seller credits may help pay for closing fees. Potentially roll closing fees into your monthly payment


The VA adjustable-rate mortgage provides a solution for individuals both advice in and retired from the US Armed Forces as a veteran. Credit scores as low as 620 are accepted under this veteran-specific product, with the opportunity to take out a home loan for a primary residence, second home or investment properties. All standard property types are covered, including modular, single-family, planned unit and VA-approved condominiums. Click here to learn more about VA Loans.

VA High Balance ARM and Fixed

VA High Balance ARM and Fixed loans offer an alternative to the standard adjustable-rate VA home loan, offering greater freedom for veterans living in high-cost areas. Both fixed and adjustable-rate options are available, with suitability for primary, secondary and investment properties. Most property types are covered under this veteran loan, including modular, single-family, condominium and manufactured homes.

Click here to learn more about our VA Loans.

Start Your Mortgage Pre-Qualification Today

Fill out the form below

Just fill out the quick mortgage form below to give our team a little information about your situation and we’ll be in touch right away to start your mortgage pre-qualification. Click here to contact us directly. After completing the form below, someone from our mortgage team will contact you back within 1-2 business days.

Step 1 of 3

What Our Clients Say...