Government Loans
Buying a Manufactured Home With VA? The Foundation Could Decide the Deal
VA financing can be used for eligible manufactured housing, but the home, land, title, foundation, and lender program must fit…
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
Buying a Two-to-Four-Unit Property With a VA Loan
An eligible borrower may use a VA purchase loan for a residential property with up to four units, but the…
Government Loans
Using a VA Loan? Here’s How Soon VA Expects You to Actually Move In
VA purchase and cash-out loans are generally for a primary residence, not a vacation home or a property purchased solely…
Government Loans
Got a Low VA Rate? Another Buyer May Be Able to Take Over Your Loan
A VA-backed mortgage may be assumable, but the transfer must be approved. The seller’s liability and entitlement do not disappear…
Government Loans
Think You Qualify for a VA Loan? Here’s What Lenders Will Actually Check
A VA loan can offer powerful advantages, but approval still depends on the borrower, the property, and the complete loan…
Government Loans
Your VA COE Says More Than “Eligible.” Here’s What to Look For
The COE proves access to the VA home loan benefit, but borrowers should understand what it does and what it…
Government Loans
Used Your VA Loan Before? You May Still Be Able to Buy Again With VA
Entitlement is the amount of VA guaranty available to support a loan. It is not a spending account, a cash…
Government Loans
Think You Have to Pay the VA Funding Fee? You May Be Exempt
The VA funding fee is a one-time program charge on many VA loans. It is separate from interest, lender fees,…
Government Loans
Your DTI Looks Fine. So Why Is VA Still Checking How Much Money You Have Left?
Residual income estimates what remains for ordinary living expenses after major monthly obligations are paid.
Government Loans
Your DTI Is Over 41%. Does That Mean Your VA Loan Is Dead?
VA does not treat one ratio as the entire approval decision. Debt-to-income, residual income, credit, and the full risk picture…