Government Loans

FHA, USDA & VA Home Mortgages

Government loans can be very generous with zero to low down payments, great rates - even with low credit scores.

From our proud Veterans who qualify for their well earned VA Home Loan to the 1st Time-Homebuyer living the American dream of home ownership. Government loans have been the cornerstone of helping first time homebuyers and people with credit and down payment challenges. An excellent way to take advantage of low rates and low down payments - even without perfect credit. We’re here to help.

FHA & VA – Low Rates, Even with Low Credit

FHA and VA loans can have some of the most lenient underwriting criteria (2 year wait after a chapter 7 bankruptcy, 1 year for chapter 13), 3 year wait after a foreclosure/short sale vs 7 year wait with conventional after the sale date of a foreclosure. 

 With only a 3.5% down payment with FHA, or 0 down with VA – FHA/VA provides an excellent first time homebuyer purchase option or refinance, even with credit issues with some of the lowest rates available in the market.

Low down payments available – Even nothing down.

It is still possible to purchase a home without a down payment using a VA, USDA, and in some states an FHA purchase loan. These loans can be a great way to obtain a mortgage to buy a home without a down payment.

Eligible Veterans can utilize the VA loan program without a down payment.  

USDA is great for nothing down loans outside of major urban areas.

FHA loans typically have a 3.5% down payment, however, The Mortgage Buddy has lenders that offer nothing down using even FHA. 

Contact us for details to see your options for a home purchase using a government loan.

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Start Your Online Mortgage Application Now!

We know you may not have time to get this done in one shot so our all online mortgage application allows you to get started now, and finish at your leisure.  You can be confident your data is secure in our encrypted vaults, and seen only by our fantastic underwriters.

"I had a challenging credit blemish come up with a difficult time share company and was unable to re-qualify for Conventional or VA – Brian was able to complete my brand new home construction so I could move in and not forefeit my large deposit. Thankful for Brian’s efforts to help get through an anxious time and complete my purchase. "
Client
Eleanor L.
Retired Navy

A Letter from the actual Mortgage Buddy, and our founder, Brian Miner

With over 20 years in the financial industry, from securities, commodities, indexes, mutual funds, insurances putting financial plans together has been a natural progression… and Mortgage Buddy was born.

And of course we can help with an easy government purchase or refinance in thirty days or less – quick and easy.  

But we also really love helping self employed business owners through their more challenging income, assets and underwriting scenarios.  

Let our experience, technology and unique programs work for you.

Our team is available nights and weekends, to help you reach your dreams.


"I had a challenging credit blemish come up with a difficult time share company and was unable to re-qualify for Conventional or VA – Brian was able to complete my brand new home construction so I could move in and not forefeit my large deposit. Thankful for Brian’s efforts to help get through an anxious time and complete my purchase. "
Client
Eleanor L.
Retired Navy

A Letter from the actual Mortgage Buddy, and our founder, Brian Miner

With over 20 years in the financial industry, from securities, commodities, indexes, mutual funds, insurances putting financial plans together has been a natural progression… and Mortgage Buddy was born.

And of course we can help with an easy government purchase or refinance in thirty days or less – quick and easy.  

But we also really love helping self employed business owners through their more challenging income, assets and underwriting scenarios.  

Let our experience, technology and unique programs work for you.

Our team is available nights and weekends, to help you reach your dreams.


20+

Years Helping Home/Business Owners Get Approved

500k

New Businesses Started per Month

711

Average US Business Owner Credit Score *

1000+

Happy Home Owners Annually