Karen Gross, Realtor® · REMAX Professional Realty Group

Which Home Loan Program Fits You?

Answer a few quick questions and discover which loan programs may be worth exploring with a local lender.

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Your Loan Programs to Explore

Here are loan options that may be worth discussing with a local lender.

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Loan Program Comparison

Use this simple overview as a starting point for your lender conversation.

Program	Often explored by	Potential benefit	What to verify with a lender
FHA	Many first-time buyers or buyers still building credit	Flexible credit and lower down payment options	Credit, debt-to-income, mortgage insurance, and property standards
VA	Eligible veterans, service members, and qualifying surviving spouses	Potential zero-down option for eligible buyers	VA eligibility, funding fee, property requirements, and lender guidelines
USDA	Buyers considering eligible rural or USDA-approved areas	Potential low or zero-down option for qualified buyers	Property location, household income limits, and lender requirements
Conventional	Buyers with stronger credit or more flexible property needs	Competitive long-term option with broad property flexibility	Credit score, down payment, PMI, loan limits, and pricing
Down Payment Assistance	Buyers who need help with savings or upfront costs	May reduce the cash needed to purchase	Current program availability, income limits, location rules, and repayment terms

Questions to Ask Your Lender

Take these with you when you are ready to compare your options.

Reminder: This guide is educational and does not determine approval, eligibility, rates, or program availability. Always confirm details with a qualified lender.

Need help taking the next step?

Karen Gross, Realtor® with REMAX Professional Realty Group can help you understand your options and connect you with trusted local lending professionals.

Your Dream is My Mission

📞 Call 270.315.9810 🌐 KarenGross.net