Government Loans
FHA vs Conventional Loans: Which One Actually Makes Sense
If you are shopping for a mortgage, you have probably heard this advice more than once: FHA is for first…
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
FHA Loans
FHA Loan Requirements Explained in Plain English
If you have been researching home loans for more than five minutes, you have probably heard that FHA loans are…
FHA Loans
What Is an FHA Loan and Who Is It Really For
An FHA loan is one of the most talked about mortgage options for first time buyers, but it is also…
FHA Loans
Gift Funds Rules for FHA Loans: What Borrowers Actually Need to Know
Gift funds are one of the most useful parts of FHA financing. A borrower can receive eligible gift money for…
FHA Loans
How Student Loans Affect FHA Approval
Student loans are one of the most common issues that come up during FHA underwriting. A lot of first time…
FHA Loans
FHA Loans After Foreclosure or Short Sale
Buying a home after a foreclosure or short sale feels intimidating for a lot of people. Many borrowers assume they…
FHA Loans
FHA Loans After Bankruptcy: Waiting Periods Explained
Bankruptcy is one of the most misunderstood topics in mortgage lending. Many buyers assume that once they file bankruptcy, homeownership…
FHA Loans
Self-Employed Borrowers and FHA Loans
If you are self employed and looking at an FHA loan, you have probably already heard that it is harder.…
FHA Loans
FHA Overtime, Bonus, and Commission Income Rules
Overtime, bonus, and commission income can absolutely help a borrower qualify for an FHA loan. The catch is that FHA…
FHA Loans
FHA Income Requirements: What Counts and What Doesn’t
Income is one of the most misunderstood parts of FHA loan approval. Many buyers assume that if they make enough…