Conventional loans are traditionally the gold standard when it comes to home loans. They are a great option for a wide variety of borrowers who have well established credit and at least 3% saved for a down payment.
Less demanding eligibility requirements make FHA loans some of the easiest loans to obtain, making them a popular choice for first time home buyers and borrowers with less-than-perfect credit.
Active or retired military, and their spouses may be eligible for zero down financing when they buy a home using a VA loan. Great interest rates and low minimum credit score requirements are enticing benefit of this popular government loan option.
Home buyers in rural and suburban areas of California may be able to take advantage of a USDA loan to purchase their home. Benefits include zero down and lower mortgage insurance costs than other government backed loans.
Non-traditional lenders offer an alternative to traditional conforming and government backed loans. Often these independent loan sources provide financing solutions for those who might otherwise have a tough time getting approved for a loan using mainstream methods.
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