which program fits your needs?

 A conventional home loan is a mortgage not backed by the government, typically requiring a higher credit score, 3-5% down, and PMI if under 20% down. It follows Fannie Mae and Freddie Mac guidelines and offers competitive rates. 

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 An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, requiring a 3.5% down payment, lower credit scores, and mortgage insurance. It’s ideal for first-time buyers and those with limited savings. 

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 A VA loan is a government-backed mortgage for eligible veterans, active-duty service members, and some spouses, requiring no down payment, no PMI, and flexible credit requirements. It’s backed by the Department of Veterans Affairs. 

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 A USDA loan is a government-backed mortgage for low-to-moderate-income buyers in rural areas, requiring no down payment, low mortgage insurance, and flexible credit terms. It’s backed by the U.S. Department of Agriculture. 

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 First-time homebuyer programs offer lower down payments, reduced monthly mortgage insurance, and assistance with down-payment. They vary by state and may include grants, tax credits, or special loan options to make homeownership more affordable. 

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 A down payment assistance program helps buyers cover down payment and closing costs through grants, loans, or forgivable funds, making homeownership more accessible, especially for first-time buyers. 

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 First Responder Programs offer special mortgage benefits, such as discounted rates, down payment assistance, or reduced fees, for police officers, firefighters, EMTs, and other first responders, helping make homeownership more affordable. 

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 Teacher and Educator Programs provide special mortgage benefits, such as discounted rates, down payment assistance, or reduced fees, to teachers, administrators, and school staff, making homeownership more accessible for educators. 

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