FHA/VA Programs

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Compared to conventional loans, government guaranteed FHA and VA loans offer more flexible criteria in terms of Loan-to-Value, credit, and other qualifying requirements. These loans usually require less cash up front and have more flexible underwriting guidelines, allowing more borrowers to qualify than may be possible using conventional underwriting criteria.

FHA/VA Advantages:
  • Low or no down payment required.
  • Seller can contribute up to 6% of sales price.
  • Flexible credit guidelines.
  • Gifts and down payment assistance accepted.
  • Non-occupant co-borrowers accepted.
  • Streamlined refinance programs that speed the closing process.
  • Closing costs can be rolled into the loan.

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