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Conventional loans are mortgage loans that are not insured or guaranteed by a government agency, typically requiring higher credit scores and down payments based on the lender's private guidelines.
FHA loans are mortgage loans insured by the Federal Housing Administration (FHA) that enable borrowers with lower credit scores and smaller down payments to qualify for homeownership with more flexible lending requirements.
VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs (VA) that offer favorable terms and benefits to eligible military service members, veterans, and their spouses, including no down payment requirements and competitive interest rates.
USDA loans are mortgage loans backed by the United States Department of Agriculture (USDA) that offer affordable financing options for low- to moderate-income borrowers in rural areas, providing 100% financing and flexible eligibility criteria.
Ready to Buy a Home but worried about a Down Payment?
Aug 05, 2026
Learn how much down payment you may need, the tradeoffs of putting more down, and how to choose an amount that fits your budget and goals.
Navigating USDA and FHA Loan Differences
Jul 29, 2026
Compare USDA vs FHA loans, including down payment, credit, location, income limits, and fees, to find the right fit for your homebuying goals.
4 Specialized Home Inspections Buyers Should Consider
Jul 22, 2026
Learn which specialized home inspections may help uncover hidden issues before closing, from radon and mold to pest and foundation concerns.
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