Looking for a low-credit mortgage option? Lenders in our network may offer FHA and VA loans for both purchases and refinances with flexible credit requirements.
FHA Down Payment
VA Down Payment
Min Credit Score
VA Loans
FHA Streamline and VA IRRRL programs make refinancing easier than ever with minimal paperwork and no appraisal required in most cases.
Fast & Simple
Less paperwork than traditional refinance
Skip the home valuation step
Reduce monthly mortgage costs
Must have an existing FHA loan and make on-time payments for at least 6 months.
Interest Rate Reduction Refinance Loan
Streamlined approval for veterans
Reduce interest rate without cash out
Adjust term length (15yr, 30yr, etc.)
Must have an existing VA loan. Must receive a net tangible benefit such as a lower rate or payment.
Close in as little as 30 days
Lower your monthly payment
Minimal closing costs
Simplified documentation
FHA and VA purchase loans make homeownership achievable with flexible requirements and low down payments.
Federal Housing Administration
Low upfront cost to get started
Even no credit score in some cases
Lenient income & DTI requirements
First-time homebuyers and those recovering from past credit challenges who need flexible qualification requirements.
Veterans Affairs Guaranteed
No money needed to buy your home
Save money every month
Government-backed security
Eligible veterans, active-duty military, and their spouses who qualify for the VA loan benefit program.
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