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My Home Loan Options

VA Loan

  • Monthly Payment $0,000
  • Down Payment $0
+ See full payment breakdown 00-yr Fixed: Estimated Market Rate 0.0% Find a VA Lender →

USDA Loan

  • Monthly Payment $0,000
  • Down Payment $0
+ See full payment breakdown 00-yr Fixed: Estimated Market Rate 0.0% Find a USDA Lender →

Conventional Loan

  • Monthly Payment $0,000
  • Down Payment $0
+ See full payment breakdown 00-yr Fixed: Estimated Market Rate 0.0% Find a Conventional Lender →

FHA Loan

  • Monthly Payment $0,000
  • Down Payment $0
+ See full payment breakdown 00-yr Fixed: Estimated Market Rate 0.0% Find a FHA Lender →

Find the best mortgage for you!

Let us help you crunch the numbers and start comparing your home loan options.

My Home Loan Options

USDA Loan

  • Monthly Payment $0
  • Down Payment $0 (0%)
+ See full payment breakdown
30-yr Fixed: Estimated Market Rate

FHA Loan

  • Monthly Payment $0
  • Down Payment $0 (0%)
+ See full payment breakdown
30-yr Fixed: Estimated Market Rate

Conventional Loan

  • Monthly Payment $0
  • Down Payment $0 (0%)
+ See full payment breakdown
30-yr Fixed: Estimated Market Rate
  • Conventional loans generally require a down payment of at least 5%.
  • Lenders generally require a minimum credit score of 580 for a conventional loan.
*Down payment below 20% will require PMI(private mortgage insurance)

Note: ComparisonCalculator© provides a broad look at your monthly payment across various home loan products. To get a personalized quote from a trusted home loan specialist select a loan product and get matched with a home lender today.

Loan Product Breakdown

VA Loan Basics

A VA loan is backed by the Department of Veterans Affairs and is designed to help U.S. veterans, active duty service members, and widowed military spouses buy a home. This type of loan is an attractive option because it's pretty easy to qualify for and doesn't require a down payment.

VA Eligibility Guidelines (Must meet at least one of these guidelines)

  • Served 90 consecutive days of active service during wartime, or
  • Served 181 days of active service during peacetime, or
  • More than 6 years of service in the National Guard or Reserves, or
  • Spouse of a service member who has died in the line of duty or as a result of a service-related disability

Minimum Down Payment

  • 0% ($0)

Typical Minimum Credit Score

  • 620

Talk to a VA lender to see if you're eligible for a $0 down VA home loan.

VA Lenders

Veterans United Home Loans
NMLS# 1907
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Navy Federal Credit Union
NMLS# 399807
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Veterans First Mortgage
NMLS# 449042
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USDA Loan Basics

A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.

USDA Eligibility Guidelines

  • U.S. citizenship or permanent residency
  • Ability to prove creditworthiness, typically with a credit score of at least 640
  • Stable and dependable income
  • Adjusted household income is equal to or less than 115% of the area median income

Minimum Down Payment

  • 0% ($0)

Typical Minimum Credit Score

  • 640

Talk to a USDA lender to see if you’re eligible for a $0 down USDA home loan.

USDA Lenders

New American Funding
NMLS# 6606
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Fairway Independent Mortgage
NMLS# 2289
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Neighbors Bank
NMLS# 491986
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FHA Loan Basics

An FHA loan is a mortgage that's insured by the Federal Housing Administration (FHA). They are popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+.

FHA Eligibility Guidelines

  • Have a valid Social Security number
  • Be a lawful U.S. resident
  • Stable and dependable income
  • Make a down payment of at least 3.5%

Minimum Down Payment

  • 3.5%

Typical Minimum Credit Score

  • 580

Talk to a FHA lender to see if you can buy home for as low as 3.5% down.

FHA Lenders

New American Funding
NMLS# 6606
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Quicken Loans
NMLS# 3030
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Mutual of Omaha Mortgage
NMLS# 1025894
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Conventional Mortgage Basics

A conventional loan is a type of mortgage loan that is not insured or guaranteed by the government. Instead, the loan is backed by private lenders, and its insurance is usually paid by the borrower.

Eligibility Guidelines

  • Steady income that proves you can make your monthly mortgage payments on time
  • Make a down payment of at least 5%*

Minimum Down Payment

  • 5%*

Typical Minimum Credit Score

  • 620

Talk to a lender to see if a conventional home loan is right for you.

* Some conventional lenders offer as low as 3% down payment although credit scores determine eligibility.

Conventional Lenders

Quicken Loans
NMLS# 3030
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Cardinal Financial Company
NMLS# 66247
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New American Funding
NMLS# 6606
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DISCLAIMER: The figures above are based upon debt-to-income (DTI) ratio which is a ratio of total monthly debt payments (housing expense, installment debts, and so on) to gross monthly income. Mortgage lenders have determined their acceptable ratio which is used as a guide. Most lenders will review all other credit factors including DTI. Calculations by this tool are believed to be accurate, yet are not guaranteed. Further review by lenders is necessary to obtain an exact qualification.