Government Loans
USDA Property Eligibility Map: How to Check an Address Correctly
USDA property eligibility is an address-level decision. A rural appearance, local label, or zip code is not enough.
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 Income Limits and Household Income Explained
USDA uses one income calculation to decide whether the household is eligible and another to decide whether the borrowers can…
Government Loans
USDA Zero-Down Loans: What Cash Do You Still Need 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
VA Loan Requirements Explained in Plain English
A VA loan can offer powerful advantages, but approval still depends on the borrower, the property, and the complete loan…
Government Loans
VA Certificate of Eligibility: What It Shows and How to Get One
The COE proves access to the VA home loan benefit, but borrowers should understand what it does and what it…
Government Loans
VA Entitlement and Loan Limits Explained
Entitlement is the amount of VA guaranty available to support a loan. It is not a spending account, a cash…
Government Loans
VA Funding Fee Explained: Exemptions, Financing, and Refunds
The VA funding fee is a one-time program charge on many VA loans. It is separate from interest, lender fees,…
Government Loans
VA Residual Income Explained: The Test Beyond Debt-to-Income
Residual income estimates what remains for ordinary living expenses after major monthly obligations are paid.