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FHA & VA Loans

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Government loan options

The Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) offer government-insuredFootnote 1 mortgage loans. These loans have features that may make them easier for first-time homebuyers to obtain.Footnote 2

These features include:

FHA loan features

  • Low down payment
  • No maximum income/earning limitationsFootnote 3
  • Fixed-rate loans available
  • Maximum loan amounts vary by county

VA loan features

  • Up to 100% financing—with as little as zero down payment for qualified borrowersFootnote 4
  • Fixed-rate loans available
  • More flexible qualification guidelines than those for conventional loans