Government Loans
USDA, FHA, or Conventional? The “Best” Loan Depends on What You’re Working With
USDA can be an outstanding zero-down option, but the household and property must qualify. FHA and conventional loans can work…
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
Government Loans
USDA Loan Credit Requirements: Scores, Collections, and Federal Debt
USDA credit approval is based on the full payment pattern and underwriting recommendation, not a single score quoted on a…
Government Loans
Your Credit Isn’t Perfect. Can You Still Get a USDA Loan?
USDA ratios are important, but the final decision depends on accurate data, automated findings, credit, reserves, and lender judgment.
Government Loans
Your DTI Looks Too High. Can USDA’s GUS Still Approve the Loan?
The USDA appraisal supports value and confirms that the property appears to meet program standards. It is not a full…
Government Loans
The USDA Appraisal Came In Low or Needs Repairs Now What?
A property defect and a low value are different problems. One concerns eligibility and condition; the other concerns how much…
Government Loans
Can USDA Finance a Manufactured Home? The Answer Depends on the House
USDA can finance eligible manufactured housing, but the unit, site, installation, title, foundation, age, and transaction history must meet specialized…
Government Loans
Found a Condo or Modular Home? USDA May Still Be an Options
USDA Guaranteed Loans can finance several residential property types, but project, title, insurance, appraisal, and legal requirements still apply.
Government Loans
Found a House With 5 Acres and a Barn? Will USDA Finance It?
USDA does not use a simple acreage cap for every Guaranteed Loan. The real issue is whether the property remains…
Government Loans
Already Have a VA Loan? You May Be Able to Refinance With Less Hassle
An IRRRL refinances an existing VA-backed loan to improve rate or payment stability. “Streamline” does not mean free, instant, or…
Government Loans
VA Cash-Out Refinance: Requirements, Equity, and Risks
A VA cash-out refinance can replace a VA or non-VA mortgage and may allow equity withdrawal, but the new loan…