If someone offers you a mortgage without explaining your options, run.
There is no “one-size-fits-all” home loan.

The right loan program depends on who you are and what you need.

Here’s a quick breakdown:
👉 VA: If you’re active-duty or a veteran, this is often the best deal on the market. No down payment. No PMI.
👉 USDA: Buying in a rural area? You might qualify for 100% financing.
👉 FHA: Have lower credit or minimal savings? 3.5% down, flexible rules.
👉 Conventional: Best if you’ve got solid credit and some money saved—gives you flexibility long-term.

But there’s more:
Some loans are better for fixer-uppers. Some for condos. Some for self-employed buyers.

That’s why the right loan for your neighbor might be the wrong one for you.

You need a game plan built for your finances, your timeline, and your goals.