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FHA and VA Home Loans

FHA loans may make it easier to buy or refinance

The Federal Housing Administration (FHA) offers loans with low down payments for buyers, and a streamlined process when you’re ready to refinance.

Streamlined refinance for existing FHA loans

If your current mortgage is an FHA loan, the streamlined refinance process may help.

  • No appraisal required
  • No credit check
  • No income verification

Down payments as low as 3.5%

If you’re a first-time homebuyer or have limited funds, FHA financing can be a great way to expand your homeownership opportunities. 

  • Buy a home with as little as 3.5% down
  • May allow you to use a gift or grant for all or a portion of down payment and closing costs
  • Requires less cash upfront, but you typically have to pay FHA mortgage insurance premiums
  • Lets you qualify with a co-applicant, even if the person doesn’t live in the home


FHA loans have the benefit of a low down payment, but consider all costs involved, including up-front and long-term mortgage insurance and all fees. Ask your home mortgage consultant to help you compare the overall costs of all your home financing options.

Ready to get started?

Talk to a consultant

Call 1-877-510-2079 or find a mortgage consultant in your area

More government mortgage options

VA Loans 

Department of Veterans Affairs (VA) loans provide financing on primary residences for veterans and other borrowers who meet the eligibility requirements of the VA program. Talk to a home mortgage consultant for details. 

  • Offer low- and no-down payment options for qualified borrowers, and do not require monthly mortgage insurance.
  • Allow closing costs to come from a gift or grant.
  • Require a one-time VA funding fee that can be financed into your loan or paid in cash at closing.
  • May provide 100% financing for qualified borrowers.
  • Refinance your current VA loan with minimal out-of-pocket expenses.
Customers must meet all eligibility requirements for the VA program. Please connect with a home mortgage consultant to discuss current VA eligibility requirements.

Learn more about VA loans

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If you are a service member on active duty, an eligible spouse, partner, or dependent, or currently receiving SCRA benefits, please consult with your legal advisor prior to seeking a refinance of your existing mortgage loan. In some cases, a refinance may impact your eligibility for benefits under the Servicemembers Civil Relief Act or applicable state law.

VA funding fee 

You are typically required to pay a one-time funding fee on VA loans. The amount of the funding fee depends on the type of service, prior use of VA eligibility, and type of loan transaction.

FHA mortgage insurance 

Insurance provided by the FHA that protects approved lenders against loss if a borrower defaults on an FHA loan. The cost is typically paid by the borrower as upfront and monthly premiums. Amount and terms of insurance paid vary.