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.
๐ Quick Snapshot
โ FHA Loans: Low down payments, flexible credit requirements
๐ฉ VA Loans: 0% down, no PMI, exclusive to U.S. military families
๐ณ Down payment assistance available for eligible FHA borrowers
๐ผ Loans structured to fit your income, goals, and timeline
๐ฆ 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:
๐ High loan-to-value flexibility (great for refinances)
๐งฑ Low 3.5% down payment requirement (with assistance available)
๐ผ Easier qualification vs. conventional loans
To qualify, youโll 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)
๐ VA Loans: Built for Veterans and Military Families
VA loans offer one of the most powerful loan programs available โ and HLS is proud to guide veterans through the process.
Benefits include:
โซ No monthly mortgage insurance (PMI)
๐ต 100% financing available
๐บ Flexible qualification terms
To qualify, youโll 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 โ and theyโre often the most affordable path to homeownership for those whoโve served.
๐ Is a Government Loan Right for You?
You may be a strong candidate for FHA or VA financing if you:
๐ผ Have limited savings but steady income
๐ก Are a first-time homebuyer or veteran
๐ Need flexible approval guidelines
Not sure where you stand? Let our team review your scenario and offer guidance with clarity and care.