Government Loan

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FHA Loans

FHA loans are insured by the Federal Housing Administration and are designed to make homeownership more accessible for a broader range of borrowers. These loans often allow for more flexible credit and down payment requirements.

Advantages

  • Lower minimum down payment requirements
  • More flexible credit guidelines
  • Competitive interest rates

Key Considerations

  • Mortgage insurance is required
  • Loan limits apply
  • Down payment and eligibility requirements vary
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VA Loans

VA loans are available to eligible veterans, active-duty service members, and qualifying surviving spouses. These loans are guaranteed by the U.S. Department of Veterans Affairs and offer favorable terms for those who qualify.

Advantages

  • No down payment required in many cases
  • No private mortgage insurance requirement
  • Limits on certain lender fees and closing costs

Key Considerations

  • Certificate of Eligibility required
  • One-time VA funding fee may apply
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