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    Independent Mortgage Brokerยท20+ YearsยทNMLS #212405
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    LoansGovernment Loans
    ๐ŸŽ–๏ธ GOVERNMENT-BACKED LOANS

    Loans Backed by Uncle Sam

    VA, FHA, and USDA loans for eligible buyers. 0% down options, flexible credit, low rates from CMS Mortgage.

    Top 50 brokerage โ€ข VA, FHA & USDA options โ€ข Since 2005

    Last reviewed: January 2026ยทReviewed by CMS Mortgage Editorial Team
    0% Down Available
    Lower Rates
    Flexible Credit
    Government Guarantee
    5 Loan Options

    Find Your Perfect Government Loan

    Compare products and find the perfect fit for your needs

    โญ BEST VALUE

    VA Home Loans

    โ€œThe best mortgage in America. Period.โ€

    • $0 down payment
    • No PMI ever
    • Competitive rates
    • No loan limits
    0%
    Down
    580+
    Credit
    No Limit
    Max Loan

    Best for: Veterans, active military, eligible spouses

    Learn More
    POPULAR

    FHA Home Loans

    โ€œLow down payment. Flexible credit.โ€

    • Low down payment
    • Credit scores from 580
    • Seller can pay closing costs
    • Gift funds allowed
    3.5%
    Down
    580+
    Credit
    $498K Std
    Max Loan

    Best for: First-time buyers, lower credit scores

    Learn More

    FHA 203K Renovation

    โ€œBuy it. Fix it. One loan.โ€

    • Finance purchase + renovations together
    • Limited ($35K) or Standard options
    • Create instant equity
    • One closing, one loan
    3.5%
    Down
    620+
    Credit
    ARV Based
    Max Loan

    Best for: Fixer-upper buyers

    Learn More

    USDA Home Loans

    โ€œZero down in more places than you think.โ€

    • $0 down payment
    • Below-market interest rates
    • Rural AND many suburban areas
    • Income limits apply
    0%
    Down
    640+
    Credit
    No Limit
    Max Loan

    Best for: Buyers in eligible areas

    Learn More

    Reverse Mortgage

    โ€œTurn your equity into retirement income.โ€

    • No monthly mortgage payments required
    • Stay in your home
    • FHA-insured protection
    • Multiple payout options
    62+ Age
    Down
    No Min
    Credit
    Equity Based
    Max Loan

    Best for: Homeowners 62+ with equity

    Learn More
    Quick Comparison

    Compare at a Glance

    FeatureVAFHAUSDA
    Down Payment
    0%
    3.5%
    0%
    Min Credit
    580
    580
    640
    Mortgage Insurance
    None
    MIP Required
    Guarantee Fee
    Property Types
    1-4 units
    1-4 units
    Single family
    Eligibility
    Veterans
    Anyone
    Income/Location
    Best For
    Veterans
    First-time
    Rural buyers

    Down Payment

    VA
    0%
    FHA
    3.5%
    USDA
    0%

    Min Credit

    VA
    580
    FHA
    580
    USDA
    640

    Mortgage Insurance

    VA
    None
    FHA
    MIP Required
    USDA
    Guarantee Fee

    Property Types

    VA
    1-4 units
    FHA
    1-4 units
    USDA
    Single family

    Eligibility

    VA
    Veterans
    FHA
    Anyone
    USDA
    Income/Location

    Best For

    VA
    Veterans
    FHA
    First-time
    USDA
    Rural buyers
    VA SPOTLIGHT

    Serving Those Who Served

    VA loans are the best mortgage product in America.

    No down payment, no PMI, competitive rates, and no loan limits for those who've earned it. Let us help you use the benefits you've earned.

    Check Your VA Eligibility
    $0
    Down Payment
    $0
    PMI Ever
    21-Day
    Avg Close Time
    Top 50
    National Brokerage
    FAQ

    Frequently Asked Questions

    Complete Mortgage Comparison GuideRead how Government Loans stacks up against other loan types
    Compare Programs Side-by-SidePick up to 3 programs and compare requirements line by line

    Ready to Use Your Government Benefits?

    Check your eligibility and get pre-approved in minutes

    Check My Eligibility
    Or call: (757) 558-2603
    CMS Mortgage logoCMS Mortgage

    Finally, a mortgage experience designed for humans. Not paperwork. An independent mortgage brokerage helping families find home financing since 2005.

    Ready for clear mortgage guidance?

    Talk with a loan expert

    Company

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    Loan Products

    • Conventional
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    • USDA Loans
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    • Compare Loans

    Get In Touch

    • 1612 Centerville Tpke, Suite 307
      Virginia Beach, VA 23464
    • (757) 558-2603
    • info@cmsmortgage.com
    20+ Years in BusinessIndependent Mortgage BrokerBBB A+ RatedVirginia Beach, VANMLS #212405
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    CMS Mortgage Solutions Inc. NMLS #212405 | Virginia Beach, VA

    ยฉ 2026 CMS Mortgage. All rights reserved. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.