Government Loans (FHA, VA & USDA)

Government-backed loans exist to make homeownership accessible to more Americans — and in Florida, they're a powerful tool for buyers who might not fit the conventional mold. These programs are insured or guaranteed by federal agencies, which lowers the lender's risk and opens the door to lower down payments and more forgiving credit requirements.

FHA loans are backed by the Federal Housing Administration and accept credit scores starting around 580 with just 3.5% down — ideal for first-time buyers and anyone rebuilding credit. VA loans, available to active-duty service members, veterans, and eligible spouses, can offer 100% financing with no down payment and no ongoing mortgage insurance. USDA loans help buyers purchase in eligible rural and suburban areas with no down payment required.

If you've been told you don't qualify for a mortgage because of credit or down payment, a government loan may be your path in. We'll match you to the right program based on your service history, location, and financial profile — and we'll walk you through the paperwork so it doesn't feel overwhelming.

Who This Loan Is For

• First-time homebuyers with limited down payment savings
• Veterans, active-duty military, and eligible surviving spouses (VA)
• Buyers purchasing in eligible rural or suburban Florida areas (USDA)
• Borrowers with credit scores below conventional minimums (FHA)
• Anyone who wants lower upfront cash and flexible underwriting

Basic Requirements

• 1FHA: credit score 580+ (3.5% down) or 500-579 (10% down)
• 2VA: valid Certificate of Eligibility and service requirements met
• 3USDA: property in an eligible rural/suburban area and income limits met
• 4Verifiable income and a manageable debt-to-income ratio
• 5Primary residence occupancy (these are not for investments)