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.

๐Ÿ” Quick Snapshot

โœ… FHA Loans: Low down payments, flexible credit requirements

๐Ÿšฉ VA Loans: 0% down, no PMI, exclusive to U.S. military families

๐Ÿ’ณ Down payment assistance available for eligible FHA borrowers

๐Ÿ’ผ Loans structured to fit your income, goals, and timeline

๐Ÿฆ 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:

  • ๐Ÿ“ˆ High loan-to-value flexibility (great for refinances)

  • ๐Ÿงฑ Low 3.5% down payment requirement (with assistance available)

  • ๐Ÿ’ผ Easier qualification vs. conventional loans

To qualify, youโ€™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)

๐ŸŒŸ 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:

  • โšซ No monthly mortgage insurance (PMI)

  • ๐Ÿ’ต 100% financing available

  • ๐Ÿ”บ Flexible qualification terms

To qualify, youโ€™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 โ€” and theyโ€™re often the most affordable path to homeownership for those whoโ€™ve served.

๐Ÿ“Š Is a Government Loan Right for You?

You may be a strong candidate for FHA or VA financing if you:

  • ๐Ÿ’ผ Have limited savings but steady income

  • ๐Ÿก Are a first-time homebuyer or veteran

  • ๐ŸŒŠ Need flexible approval guidelines

Not sure where you stand? Let our team review your scenario and offer guidance with clarity and care.

๐Ÿ’ฌ Real Client Insight

โ€œThe FHA loan helped us buy our first home with confidence. Bryanโ€™s team explained every step clearly and gave us options we didnโ€™t know we had.โ€
L. Gutierrez
Riverside, CA

๐Ÿ“ž Take the Next Step

Have questions about VA or FHA loan options? Weโ€™re ready to help.