Government Loans

Government Loans for Homeownership with Fidelity Funding Corp

Want to acquire a home loan from a secure source? If so, Government Loans are the right choice to build an asset for you and your family. At Fidelity Funding, we assist new homebuyers in securing two types of government-backed loans – FHA and VA. With thorough need-based analysis and planning, our government mortgage loan company in Glendale helps you prepare the necessary documents, streamline the application process, and achieve the desired results.

FHA Loans

Federal Housing Administration (FHA) insured loan program is regulated by the US Department of Housing & Urban Development (HUD) to make homeownership more accessible. Our FHA-approved institution enables lower-income borrowers with government home loans online services in Glendale to secure loans at lower minimum down payment and easy acquisition requirements than any conventional lending source. The FHA programs have simple requirements offering fixed and adjustable rates with refinancing options.


FHA Requirements

  • Transact purchase loans, refinance loans, streamline refinances, and cash-out refinance requests for primary residences ONLY.
  • Require owner occupancy.
  • Just 3.5% down payment with credit scores as low as 600.
  • A debt-to-income ratio (DTI) of 50% or less.
  • You have not had a foreclosure in the last three years.
  • 15-30 years loan terms.

VA Loans

Veteran Affairs (VA) are government home loans for senior citizens with military service backgrounds. Active-duty military personnel can also qualify for financing backed by the US Department of Veteran Affairs. Zero down payment, no mortgage insurance requirement, and a lenient qualification policy make it the best mortgage plan. We also assist current VA loan acquirers reduce interest rates for lower payments through a streamlined process and minimal paperwork.


VA Program Benefits

  • A VA loan can have a fixed rate or an adjustable rate.
  • You can use a VA loan to buy a house, condo, built home, manufactured home, duplex, or other types of properties. Or, it can be used for refinancing your existing mortgage, making repairs or improvements to your home, or making your home more energy-efficient.
  • We can also lend up to 100% of your home value up to the VA allowable loan limits (varied by county).
  • No prepayment penalty or early exit fee.
  • Less hectic loan acquisition process.
  • Government Guarantee

VA Program Eligibility

  • Active-duty service members
  • Members of the National Guard
  • Reservists
  • Surviving spouses of veterans
  • Cadets at the U.S. Military, Air Force, or Coast Guard Academy
  • Midshipmen at the U.S. Naval Academy
  • Officers at the National Oceanic & Atmospheric Administration.

At Fidelity Funding Corp, we believe in simplifying your path to homeownership. If you’re ready to explore the possibilities of FHA or VA loans, contact us today. Our team is here to guide you through the process, ensuring a seamless experience with secure and government-backed financing.

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Begin your loan process today! Our mortgage advisors are standing by. Contact us today to discuss your scenario.