VA & FHA Home Loans

Powerful Low & No Money Down Options for Today’s Buyers

VA Loans – 100% Financing for Veterans & Active Duty Service Members

If you’re a veteran, active-duty service member, or eligible surviving spouse, VA loans are one of the most powerful tools available to you, and we make sure you get the most from them.

Program Highlights

  • 100% LTV up to $1.5 million – No down payment required
  • Minimum 580 FICO – Flexible credit standards
  • Conforming Loan Limits Apply
  • 1–4 Unit Properties – Owner-occupied, including multi-units
  • Adjustable-Rate Mortgage (ARM) Options Available
  • No mortgage insurance (PMI) – Lower monthly payments
  • Low rates for eligible borrowers

This is a true zero-down mortgage designed to honor your service and help you build lasting wealth through homeownership.

FHA Loans with Down Payment Assistance (DPA)

Get into a Home with Little to No Money Down

If you’re not VA-eligible, FHA loans are still one of the most affordable paths to homeownership, especially when paired with our DPA PRO program, designed to eliminate the need for large upfront cash.

DPA PRO Program Highlights

  • 100% CLTV Financing – 96.5% FHA + 3.5% Down Payment Assistance
  • Forgivable Second Mortgage Option – 0% interest, 30-year amortized
  • Minimum FICO 620 (DU Approved/Eligible)
  • Manual Underwrites Allowed (Min FICO 660)
  • No income restrictions – Open to all qualified buyers
  • No first-time homebuyer requirement
  • 2/1 Buydown Option Available – Lower payments for the first 2 years
  • Non-occupying co-borrowers allowed
  • HUD-approved counseling required for one borrower
  • Available on conforming and high balance loans

Who These Loans Are Perfect For:

✔ Veterans ready to buy with $0 down

✔ Renters or first-time buyers with limited savings

✔ Buyers looking for flexible qualification and underwriting

✔ Families needing help with down payment or closing costs

✔ Multi-unit buyers looking to live in one and rent the others

The Mortgage for Champions Difference

We understand that not everyone has $20,000 saved, and you shouldn’t need that to own a home. Our VA and FHA loan solutions are built around real life and real budgets, making homeownership possible today, not someday.