🎖️ GOVERNMENT-BACKED LOANS
Loans Backed by Uncle Sam
VA, FHA, and USDA loans for eligible buyers. 0% down options, flexible credit, low rates from CMS Mortgage.
Top 50 brokerage • VA, FHA & USDA options • Since 2005
Last reviewed: January 2026Reviewed by CMS Mortgage Editorial Team
0% Down Available
Lower Rates
Flexible Credit
Government Guarantee
5 Loan Options
Find Your Perfect Government Loan
Compare products and find the perfect fit for your needs
Quick Comparison
Compare at a Glance
| Feature | VA | FHA | USDA |
|---|---|---|---|
Down Payment | 0% | 3.5% | 0% |
Min Credit | 580 | 580 | 640 |
Mortgage Insurance | None | MIP Required | Guarantee Fee |
Property Types | 1-4 units | 1-4 units | Single family |
Eligibility | Veterans | Anyone | Income/Location |
Best For | Veterans | First-time | Rural buyers |
Down Payment
- VA
- 0%
- FHA
- 3.5%
- USDA
- 0%
Min Credit
- VA
- 580
- FHA
- 580
- USDA
- 640
Mortgage Insurance
- VA
- None
- FHA
- MIP Required
- USDA
- Guarantee Fee
Property Types
- VA
- 1-4 units
- FHA
- 1-4 units
- USDA
- Single family
Eligibility
- VA
- Veterans
- FHA
- Anyone
- USDA
- Income/Location
Best For
- VA
- Veterans
- FHA
- First-time
- USDA
- Rural buyers
VA SPOTLIGHT
Serving Those Who Served
VA loans are the best mortgage product in America.
No down payment, no PMI, competitive rates, and no loan limits for those who've earned it. Let us help you use the benefits you've earned.
$0
Down Payment
$0
PMI Ever
21-Day
Avg Close Time
Top 50
National Brokerage
FAQ
Frequently Asked Questions
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