FHA贷款
Offered through the Federal Housing Administration, an FHA loan is an affordable option when you’re looking to get into a home with a smaller down payment, lower closing costs and with limited credit reporting to credit agencies.
An FHA loan has no income limits and is not limited to First-Time Homebuyers. Anyone can obtain an FHA loan, but usually FHA limits you to one FHA financed property at a time. This program will also allow for someone who will not occupy the property to co-apply, 这样就可以更容易地获得资格.
When selecting an FHA Loan, keep these factors in mind:
- 联邦住房管理局贷款的首付款选择较低
- 贷款有多种贷款条件, and are offered in fixed rate programs or ARM programs
- An FHA loan requires 政府ernment-sponsored mortgage insurance called monthly mortgage insurance (MI)
- This type of loan allows for more flexibility in income, debt and credit requirements
Your down payment and closing costs may come from a gift or grant
VA贷款
VA loans are one of the only mortgages to offer 100% financing, require no down payment and favorable loan terms for Active Duty Service members, 退伍军人, 预备役人员, 国民警卫队成员, 幸存的配偶, and certain other individuals who meet eligibility requirements to purchase homes or refinance existing mortgages.
除了, VA loans offer refinance and cash out options that can be used to pay off debt, 资助主要开支, 改善家居环境, or refinance a non-VA home loan into a VA home loan with improved terms.
在考虑VA贷款时，您可以从以下方面获益:
- 低到没有首付
- No MMI (monthly mortgage insurance) or PMI (private mortgage insurance) is required
- 更灵活的收入、债务和信贷要求
- VA loans offer more flexible gift guidelines: your down payment or closing cost may come from a gift or grant
- Allows for the seller to pay all closing cost and prepaids for the veteran up to 6% on a 100% loan
- VA loan programs are available in variety of loan terms
There is also a streamlined option known as an Interest Rate Reduction Refinance Loan (IRRRL) that provides veterans with existing VA loans an opportunity to quickly and easily refinance an existing VA loan when market conditions improve and interest rates drop.
VA loans are guaranteed by the Department of 退伍军人 Affairs. 退伍军人 must provide a VA Certificate of Eligibility (COE).
美国农业部的贷款
美国农业部 loans are an excellent option for a homebuyer looking to purchase a home in 美国农业部 designated rural areas and allows you to purchase a home with flexible qualification requirements and no down payment. 美国农业部 loans are available from the United States Department of Agriculture Rural Development Department.
When considering a 美国农业部 Loan, keep these factors in mind:
- The loan amount can be up to 100% of the appraised value of the home
- The seller may pay up to 6% towards closing costs and prepaid items
- Gifts and grants may also be used for down payments.
- A 美国农业部 loan requires a one-time Guarantee Fee that may be financed into the loan
- 这种类型的贷款需要减少每月MMI
A 美国农业部 loan has income limits and property location restrictions.
Click here to see if the property you are considering is in an eligible 美国农业部 area.