<% String pageType = "About"; %> <% String subPageType = "Mortgage Library"; %> <%@ include file="includes/header.inc"%> FHA / VA Loans

Home ownership has long been recognized as a major component of the American dream. Both the Federal Housing Administration and the Department of Veteran's Affairs offer loan programs that enable qualified buyers to move into a home with little or no down payment.

First time home buyers often look to these programs, not only for the benefit of minimal down payment requirements, but also for the regulated closing costs, lower acceptable credit score, fewer employment requirements and higher debt ratio. FHA and VA loans allow down payments of less that 3% and also have 100% financing options available. There are no minimum FICO or credit score requirements.

Prospective home owners who are self-employed or who have been on the job for less than two years may qualify for a mortgage through FHA and VA programs. Your mortgage consultant can help you compare the benefits of FHA and VA programs with conventional loans.

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