Government Mortgage

Compare FHA and VA Home Loans

For more than twelve years Nationwide has been connecting consumers with lenders that provide a wide variety of government mortgage loans. When the mortgage industry crashed a few years ago, lenders, brokers and borrowers turned to government mortgage programs like VA and FHA loans. In these tough economic times, Americans have turned to government mortgages more than conventional or private money lenders. As the housing crisis continues the Federal government has doubled down on backing affordable mortgage programs in an effort to help more Americans with homeownership.

Get Approved for a Record Low Government Mortgage Rate

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Government Mortgage
Over the last few years, millions of American consumers have come to depend on Federal mortgages for home buying and refinancing. Government financing is more popular than ever because they are accessible with low rates on government mortgages. Talk with a friendly loan consultants today that specialize in government mortgage programs.
  • Federal Housing Administration
  • Fannie Mae
  • Freddie Mac
  • USDA & VA
  • Home Affordable Refinance

Government Loans for Home Buying and Refinancing

Government mortgage rates have dropped to historic levels in recent years and millions have Americans have been able to take advantage of government insured loans with the FHA and VA loan programs.

VA home loans are government mortgage options that are guaranteed for military borrowers. For VA mortgages you must meet the VA eligibility requirements. Basically you need to be active in the military or veteran. Military borrowers have a significant financing advantage because VA guidelines require no down-payment for home buying and no equity for VA borrowers refinancing. As many people have recently learned, 100% refinancing and no money down loan are scarce in the United States.

VA Home Mortgage Loans
Military home buyers can buy a home with zero down.
VA Military Debt-Consolidation Loans
Consolidate debt with VA Refinancing
Military Home Refinancing Loans
VA rates are so low that borrowers are saving real money!
VA Streamline Refinance
If you already have a VA mortgage, you can streamline any time the interest rates drop.
VA Refinance
100% refinancing means the VA borrowers can refinance with no equity.
VA Home Loan FAQ
Learn more about VA home buying and government mortgages

Convert Your Adjustable Rate

Unlike the VA program, with FHA you do not need any military or government affiliation to qualify for a FHA loan product. FHA mortgages are similar to conventional loans, but with FHA, the government insures the loans. FHA does not make government home loans, but they do insure them. This enables loan companies to become approved for FHA lending so you do not have to actually go to the government for processing your loan. FHA refinancing is more attainable for the average homeowner than conventional lending today.

Compare Government Home Loans with Low Interest Rates

FHA guidelines are lenient with credit and most FHA loan programs will approve borrowers with bad credit scores. FHA has been popular with first time homebuyers for decades because the down-payment requirements are significantly less than with conventional and subprime lending. People buying a FHA no down-payment for home buying and no equity for VA borrowers refinancing. As many people have recently learned, 100% refinancing and no money down loan programs are scarce in the United States.

FHA Loan Pages

New Homebuyer FHA Mortgage Loans
This is the most popular government mortgage because borrowers only need 3.5% down to buy a home.
Jumbo FHA Mortgage Loan
People in high cost regions may need loan amounts that exceed the FHA loan limits.
FHA First Time Homebuyer Loans
Buying a home can be stressful. FHA takes off some pressure with their home loan for first time home buyers.
FHA Mortgage Rate Refinance
When a borrower needs to refinance their home without cash, we call it a rate and term refinance.
FHA Home Reverse Mortgage Loans
Seniors can get cash back with HECM’s.
FHA Bad Credit Refinancing
Refinance with credit scores as low as 500.
FHA Streamline Refinance
Borrowers with existing FHA loans can get a quick refinance if the FHA rates drop.
FHA Government Mortgage Refinance
Government refinancing has its perks like no equity, low interest rates and lenient credit requirements.
203K FHA Home Improvement Loans
This government mortgage enables borrowers to get cash for home rehabilitation and energy efficient initiatives.


Resource Tools

NO Credit Score FHA Mortgage Loan

Subordinate 2nd Mortgage & Refinance with FHA

FHA Mortgage with No Early Payoff Penalty

Resource Calculator
Loan Comparison Calculator
This calculator will help you to compare the total interest charges of four types of government mortgage loans.

Government Mortgages:
FHA Mortgage Loan | FHA Refinance | Fixed Thirty Year FHA Mortgage | VA Rates | FHA Mortgage Limits by State | FHA Mortgage Refinance | How A Military Veteran Can Buy A Home With No Down Payment
Helpful Mortgage Articles:
Home Loan for Bad Credit | Government Loans | Home Refinance Loans with FHA after a Bankruptcy | New Mortgage Rules for FHA Home Loans
Apply Now | FHA Loan for Bad Credit
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Please be aware that this is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Nothing on this site contains an offer to make a specific home loan for any purpose with any specific terms. This is a web-site and no loans can be guaranteed as loans and rates are subject to change. Nationwide is affiliated with national lenders and a federally chartered bank located in Maryland licensed to offer home loans in all 50 states. Copyright 2001-2012 and Beyond, Nationwide Mortgage Loans - is a website and cannot make loans. All rights reserved. has no affiliation with FHA, VA or any other government agency.