But Maya’s credit was still recovering from student loans. For that, Sarah pointed to the . Insured by the Federal Housing Administration, this program was designed for people exactly like them. "It allows for a lower credit score and a down payment of just 3.5%," Sarah said. It was the "entryway" for millions of families who just needed a fair shot. The Specialized Routes: VA and USDA
She also mentioned that if they looked further out toward the rolling hills of the county line, they might qualify for a , another zero-down option aimed at developing rural and some suburban communities. The Big Ambition: Jumbo Loans mortgage loans programs
As they talked, Sarah noticed Leo’s keychain—a small brass eagle. "Are you a veteran?" she asked. When Leo nodded, her face lit up. "Then we should look at the . It’s one of the best thank-yous the country offers. Usually, it requires zero down payment and has no private mortgage insurance." But Maya’s credit was still recovering from student loans
"And what about that massive estate on the hill?" Maya joked. Sarah laughed. "That’s territory. When the price of a home exceeds 'conforming' limits set by the government, you need a different kind of engine to fund it—usually requiring a much higher credit score and a bigger down payment." The Happy Ending "It allows for a lower credit score and