FHA Loans
Your FHA Loan Is Stuck. What Is the Lender Actually Waiting On?
The lender says the FHA case is pending, but pending what? These common FHA case-status codes help explain where the…
Government Loans
Government-backed mortgages include FHA, VA, and USDA programs. Each option serves different borrowers and has its own eligibility, property, appraisal, and underwriting requirements.
Government-Backed Options
Choose a Loan Program
FHA Loans
Explore FHA eligibility, mortgage insurance, appraisals, property standards, and underwriting.
VA Loans
Understand VA eligibility, entitlement, funding fees, appraisals, and the loan process.
USDA Loans
Learn about USDA property eligibility, household income limits, zero-down financing, and approval.
Government Loan Library
Latest Government Loan Guides
Appraisals
Your FHA Case Number Was Canceled. Is the Deal Really Dead?
Canceled does not always mean gone forever. FHA Connection allows authorized personnel to reinstate certain cases when the transaction needs…
Appraisals
Two FHA Case Numbers on One House? Here’s Why That Can Happen
Finding more than one FHA case connected to an address does not always mean something is wrong, but it can…
Government Loans
Zero Down Doesn’t Mean Zero Cash What Can USDA Actually Finance?
USDA allows flexible financing, but closing costs are not automatically added above the price. The appraisal and eligible loan calculation…
Government Loans
USDA Says Zero Down So Why Are There Still Loan Fees?
USDA Guaranteed Loans use an upfront guarantee fee and an annual fee. They are different charges with different effects on…
Government Loans
Can the Seller, Your Parents, or a Grant Help Pay for Your USDA Loan?
USDA’s zero-down structure can be combined with eligible credits and assistance, but every dollar must have an allowed purpose and…
Government Loans
Want to Build a New House With USDA? You May Not Need Two Loans
USDA can support eligible new construction, including a single-close construction-to-permanent option through participating lenders, but the process is more specialized…
Government Loans
Found the Perfect Country Home? USDA May Care About the Well, Septic, and Road
Rural properties often rely on private systems and roads. USDA financing can accept them when service, safety, legal access, and…
Government Loans
Already Have a USDA Loan? You May Have More Refinance Options Than You Think
USDA refinancing is generally designed for borrowers with an existing eligible USDA loan. The available path depends on payment history,…
Government Loans
Your USDA Loan Was Going Fine… So Why Is It Suddenly Delayed?
Most USDA problems are not caused by one mysterious agency decision. They usually trace to an eligibility fact, inaccurate application…