Mortgage Programs: FHA Loans and VA Loans

If you meet certain requirements, you may be able to buy or refinance your home with an accessible mortgage offered by one of several government programs. Contact one of our Mortgage Specialists, who can let you know if one of these mortgage programs may be right for you.

Mortgage Program Overviews

Federal Housing Administration (FHA) Loans: This government-insured loan program offers lower down payment options versus a conventional mortgage.

Department of Veterans Affairs (VA) Loans: Financing options specifically for qualified veterans, reservists, or active duty personnel. 


FHA Loan Features


With down payment options as low 3.5%, you'll need less cash up front for your down payment and closing costs with an FHA loan.


FHA loans are available for all income levels and may allow you to use a gift or grant for all or a portion of your down payment or closing costs.


Use an FHA loan to purchase or refinance your home, and choose from a variety of fixed rate and adjustable rate loan options.

VA Loan Features


VA loans are available in a wide range of rate, term and cost options and can be used to purchase or refinance your home.


VA loans are for qualified veterans, reservists or active duty personnel.


You won't pay for monthly mortgage insurance and may have minimal out-of-pocket closing expenses with a VA loan.

Useful Links and Documents

Loan Calculators

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1 All loans subject to approval.

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