Conventional
- Qualified first-time buyers may have options starting with a low down payment. Fixed-rate and adjustable-rate terms may be available. Private mortgage insurance generally applies when required by the loan structure. Approval is subject to current conventional underwriting and property guidelines.
FHA
- FHA-insured financing can offer a lower minimum down payment and flexible qualifying standards for eligible owner-occupied properties. FHA mortgage insurance and other program requirements apply. APA Mortgage is not acting on behalf of FHA or the federal government.
VA
- Eligible veterans, active-duty service members, and certain surviving spouses may qualify for VA-guaranteed financing with no required down payment in qualifying transactions. Entitlement, occupancy, underwriting, appraisal, funding-fee, and property requirements apply. APA Mortgage is not acting on behalf of the VA or federal government.