Who this may help
These pages are educational and designed to help you understand potential paths before scheduling a personalized review.
Who this is for
- Borrowers considering FHA financing
- Eligible veterans, service members, or surviving spouses exploring VA options
- Buyers looking in USDA-eligible rural areas
- Clients comparing government and conventional programs
Common options
- FHA purchase
- FHA streamline refinance
- VA purchase
- VA IRRRL
- USDA Rural purchase
- Government refinance options
Next step
Gather income, property, credit, and objective details. Then request a scenario review so Michael can help identify which available path may fit.
Review My ScenarioBenefits of a second look
Potentially lower down payment options depending on eligibility
A practical review focused on your objective and documentation.
Flexible credit and qualification features in some programs
A practical review focused on your objective and documentation.
VA options for eligible military borrowers
A practical review focused on your objective and documentation.
USDA options for eligible rural properties and borrowers
A practical review focused on your objective and documentation.
Common questions
Who can use VA loans?
VA loan eligibility generally depends on military service, entitlement, property type, and program requirements.
What is USDA Rural financing?
USDA loans may be available for eligible borrowers and properties in qualifying rural areas.
Is FHA only for first-time buyers?
No. FHA may be used by eligible first-time or repeat buyers, subject to program guidelines.
Related loan programs
Request a scenario review.
Share a few details and request a call. Do not include sensitive personal information beyond what is requested.
Michael Ciglar
NMLS #240274
925-998-5478
MCiglar@loandepot.com