Kestrel Point Mortgage

FHA & VA Loans

Homeownership Within Reach

Government-backed loans built for real life: FHA financing with just 3.5% down for first-time buyers, and VA loans with $0 down and no monthly mortgage insurance for those who served.

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First-time buyers reviewing home loan options

Two Programs, One Goal: Your Keys

FHA and VA loans remove the two biggest barriers to buying — the down payment and the credit score. We handle the extra paperwork these programs require, verify your eligibility fast, and keep sellers confident in your offer.

  • FHA down payments from just 3.5%
  • VA financing with $0 down payment
  • Credit scores from 580 considered
  • No monthly mortgage insurance on VA loans
  • Gift funds allowed for down payments

FHA Loans — First-Time Buyers

Backed by the Federal Housing Administration. Lower credit thresholds, 3.5% down, and seller contributions up to 6% toward closing costs. A small upfront and monthly mortgage insurance premium applies.

VA Loans — Veterans & Active Duty

Earned through service and backed by the Department of Veterans Affairs. No down payment, no monthly mortgage insurance, competitive rates, and limits on what lenders can charge you.

From Eligibility Check to Front Door

Government loans have extra steps — we carry them for you.

  1. 01

    Verify Eligibility

    We confirm your FHA qualification or pull your VA Certificate of Eligibility — usually within a day.

  2. 02

    Strengthen & Shop

    Credit positioning, pre-approval letter, and offer guidance that keeps FHA/VA offers competitive.

  3. 03

    Appraise & Close

    We coordinate the required appraisal, clear conditions fast, and get you to signing day on schedule.

Check My Eligibility

FHA & VA Questions

No — repeat buyers can use FHA too. The program shines for first-timers because of the 3.5% down payment and flexible credit rules, but anyone buying a primary residence may qualify.

Veterans, active-duty service members, National Guard and Reserve members with sufficient service, and some surviving spouses. We verify your Certificate of Eligibility before you house-hunt.

Yes — especially with our pre-approval package, which documents your strength like a conventional buyer. We also brief your agent on handling appraisal requirements smoothly.

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Conventional Loans →

Competitive rates, flexible terms.

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Refinancing Options →

Lower your rate or payment.

See What You Qualify For

A free eligibility check takes minutes — and could save you thousands.

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