Government Programs: FHA, VA, USDA

Government Programs: FHA, VA, USDA



WA First Mortgage Government Backed Loan Programs

In the world of lending nothing takes the place of experience.

Understanding the variations on every loan program, while understanding the needs of the borrower comes from years of experience.


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Available Government Loan Options 



FHA Loan

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The Federal Housing Administration (FHA) offers FHA-backed loans that are designed to help increase home ownership by low- and moderate-income families and first-time home buyers. Because the FHA insures the loan, the lender can offer greater flexibility in lending guidelines. Available for single- and multi-family homes, FHA loan financing options include traditional fixed-rate products, adjustable-rate mortgages and temporary interest rate buy-downs.


VA Loan

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The U.S. Department of Veterans Affairs (VA) offers VA-backed loans to veterans, active-duty personnel, reservists/National Guard members and some surviving spouses. When the loan is approved, the VA will guarantee part of it. The amount of the VA’s guaranty usually depends on the size of the loan.



USDA Mortgage


U.S. Department of Agriculture (USDA) mortgage loans are offered in rural areas to help lower-income households gain access to home loans at reasonable mortgage rates. Eligibility requirements for USDA loans vary depending on property location, and these loans are offered only to individuals whose income is below rural development county limits based on the number of members in the household.