Lower down payments, more flexible credit thresholds, and the VA benefit earned through service — handled by people who have closed hundreds of them and know where these files actually get stuck.
FHA exists to widen access, not to rescue a file. It allows lower down payments and more flexible credit profiles, at the cost of mortgage insurance that behaves differently from conventional MI. We will compare the two side by side rather than assuming.
No down payment for most qualifying borrowers, no monthly mortgage insurance, and competitive rates. If you served and you are not using it, you are leaving real money behind. Certificate of Eligibility is the first step and we will help you pull it.
Appraisal requirements are stricter on both programs — condition standards on FHA, and the VA appraisal includes a value notice with its own timeline. Knowing that up front is the difference between a smooth close and a scramble.