Government Loans
Flexible Financing Backed by Confidence
Government-backed loans help make homeownership more accessible, especially for first-time buyers, lower-credit borrowers, and U.S. military veterans. At Home Loan Solutions, we proudly offer both FHA and VA loan programs to qualified applicants throughout California.
🔍 Quick Snapshot
✅ FHA Loans: Low down payments, flexible credit requirements
🚩 VA Loans: 0% down, no PMI, exclusive to U.S. military families
💳 Down payment assistance available for eligible FHA borrowers
💼 Loans structured to fit your income, goals, and timeline
🏦 FHA Loans: Affordable, Flexible, and Accessible
FHA loans are ideal for first-time buyers and others who may not meet conventional loan criteria. They offer:
📈 High loan-to-value flexibility (great for refinances)
🧱 Low 3.5% down payment requirement (with assistance available)
💼 Easier qualification vs. conventional loans
To qualify, you’ll generally need:
A steady employment history (2+ years)
A FICO score of 620+ (we may accept lower in some cases)
Proof of income showing you can afford a payment at up to 56.99% of your gross monthly income (depending on circumstances)
🌟 VA Loans: Built for Veterans and Military Families
VA loans offer one of the most powerful loan programs available — and HLS is proud to guide veterans through the process.
Benefits include:
⚫ No monthly mortgage insurance (PMI)
💵 100% financing available
🔺 Flexible qualification terms
To qualify, you’ll typically need:
VA eligibility (Veteran, active duty, reservist/National Guard, or surviving spouse)
Steady employment history
FICO score of 620+ (may be flexible depending on your profile)
VA loans today are easier to qualify for than ever — and they’re often the most affordable path to homeownership for those who’ve served.
📊 Is a Government Loan Right for You?
You may be a strong candidate for FHA or VA financing if you:
💼 Have limited savings but steady income
🏡 Are a first-time homebuyer or veteran
🌊 Need flexible approval guidelines
Not sure where you stand? Let our team review your scenario and offer guidance with clarity and care.
💬 Real Client Insight
