Key Benefits

• Zero down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• Flexible credit requirements
• No prepayment penalty
• Can be used multiple times

Eligibility

Generally available to veterans with 90+ days active duty during wartime, 181+ days during peacetime, or 6+ years in the National Guard/Reserves. Surviving spouses of veterans who died in service may also qualify.

Key Benefits

• Down payment as low as 3.5% (580+ credit score)
• Down payment as low as 10% (500–579 credit score)
• Flexible debt-to-income ratio requirements
• Gift funds allowed for down payment
• Available for primary residences only
• Can be used after bankruptcy or foreclosure (waiting periods apply)

Eligibility

Available to U.S. citizens and permanent residents purchasing a primary residence. Minimum credit score of 500 (with 10% down) or 580 (with 3.5% down). Property must meet FHA minimum standards.

Key Benefits

• Zero down payment required
• Competitive interest rates
• Low mortgage insurance costs
• Flexible credit requirements
• Available for primary residences
• Income limits apply

Eligibility

Property must be in a USDA-eligible area (many suburban Florida areas qualify). Household income must be within USDA limits for the area. Must be a primary residence. Ask us to check if your target property qualifies.