Government Loans
Lost a Veteran Spouse? You May Still Be Eligible for a VA Home Loan
Certain surviving spouses can qualify for VA home loan eligibility, but the status must be established through VA before a…
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
VA, FHA, or Conventional? The Lowest Rate Can Still Cost You More
The best mortgage is not determined by one advertised rate. Eligibility, insurance, cash, property, credit, and time in the home…
Government Loans
Think You Qualify for USDA? Here’s What the Loan Really Looks At
A USDA Guaranteed Loan can finance an eligible primary residence with no required down payment, but both the household and…
Government Loans
USDA Has Two Home Loan Programs, and Picking the Wrong One Can Waste Your Time
Both programs support rural homeownership, but they serve different borrowers and use very different application and underwriting systems.
Government Loans
Think That House Is Too Close to Town for USDA? Check the Address Before You Rule It Out
USDA property eligibility is an address-level decision. A rural appearance, local label, or zip code is not enough.
Government Loans
Your Paycheck May Qualify, but USDA Could Still Count Someone Else’s Income
USDA uses one income calculation to decide whether the household is eligible and another to decide whether the borrowers can…
Government Loans
USDA Says Zero Down. So Why Might You Still Need Cash at Closing?
Zero required down payment describes the base financing feature. It does not guarantee that the buyer will bring zero dollars…
Government Loans
VA Minimum Property Requirements Explained Simply
VA minimum property requirements focus on basic safety, sanitation, structural soundness, and marketability. They are not a promise that the…
Government Loans
Low VA Appraisal: Escape Clause, Reconsideration of Value, and Buyer Options
A VA loan is generally based on the lower of the purchase price or VA’s reasonable value. A low appraisal…
Government Loans
Found a Condo You Love? Make Sure VA Will Approve the Project Before You Buy
For a VA condo loan, the borrower and unit must qualify, but the condominium project also has to be acceptable…