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If you’ve served in the military, this is the gold standard.
0% down payment and no private mortgage insurance (PMI).
While the VA doesn’t set a minimum score, lenders do. Your good credit will help you snag the lowest possible interest rates, making an already great deal even better. 2. The USDA Loan (For Rural and Suburban Buyers) buying a house with no down payment and good credit
Your high score keeps your PMI payments incredibly low—sometimes half the cost of what someone with average credit would pay. 4. Physician or Professional Loans
While these typically require 3% down, buyers with good credit often use programs to cover that 3%. If you’ve served in the military, this is
Don't wait years to save $50,000 while home prices continue to rise. If your credit is ready, your house might be too.
If you tell me your zip code and profession , I can help you find specific grant programs or lenders in your area that specialize in $0-down options for high-credit borrowers. Your good credit will help you snag the
A score of 640+ usually triggers "automatic approval" in their system, meaning less paperwork and a faster closing for you. 3. Conventional 97 or HomeReady®
