Whether you're an eligible Veteran seeking 0% down with no PMI, or a buyer looking for flexible FHA underwriting, compare top government loan specialists.
Many banks add strict "lender overlays" on top of FHA and VA guidelines. Comparing direct FHA/VA lenders unlocks lower rates, zero VA lender fees, and flexible credit approvals.
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Even though FHA and VA loans are backed by the federal government, private lenders set their own interest rates and closing fees. Studies show VA mortgage rates vary by up to 0.75% between lenders on the exact same day!
Explore our long-tail comparison guides for fha & va home loans:
Some heavily advertised veteran lenders charge 1%–2% in origination points, while wholesale VA lenders offer lower rates with $0 lender fees.
Read Guide & Compare Quotes → $240/mo SavingsWhile big banks often demand a 640 or 660 credit score for an FHA loan, direct HUD-approved lenders approve 580+ scores at competitive low rates.
Read Guide & Compare Quotes →A Streamline Refinance allows current VA or FHA homeowners to drop their interest rate with minimal paperwork—typically requiring no home appraisal and no W-2/tax return re-underwriting.