Government-Backed Home Loans

FHA/VA Loans

Affordable paths to homeownership for qualifying buyers, veterans, and service members.

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FHA and VA loans offer government-backed support that can make homeownership more accessible and affordable.

These programs are designed to help qualifying borrowers—whether you’re purchasing a home, refinancing, or exploring lower-down-payment options—find a mortgage that fits your needs. With flexible guidelines and added benefits, FHA and VA loans provide pathways that support a wide range of homebuyers and homeowners.

FHA Loans

FHA loans can be a great option for members who may not have a large down payment saved or who need more flexible credit or debt-to-income guidelines. With a minimum 3.5% down payment—and the ability to use a gift from a qualified family member—FHA loans help make homeownership more accessible.

Down payments as low as 3.5%

More lenient requirements for income and credit history

Gifts are allowed for down payment and closing costs

Non-occupant co-borrowers are allowed

How Do I Get an FHA Loan?

What you’ll need to get started:

A satisfactory credit score (typically 620 or above)
Recent proof of income, such as 1–2 months of paystubs
At least one year of W2s
The home must be your primary residence, whether you’re purchasing or refinancing
A property appraisal completed by an FHA-approved appraiser
Your current debt details (auto loans, alimony, credit cards, etc.)
A debt-to-income ratio (DTI) that meets FHA guidelines

VA Home Loans

VA loans are designed to support those who have served our country—veterans, active-duty service members, and eligible surviving spouses. These loans offer valuable benefits, including the ability to finance up to 100% of the home’s purchase price, helping make homeownership more accessible without the need for a down payment. It’s a meaningful way to honor your service with a mortgage option built to support your financial goals.

Active Duty Military

Military Veterans

National Guard & Reservists

Some Spouses of Military Members

Supporting Service Members, Veterans, and Their Families

Whether you’ve recently relocated or are settling into a new part of the Northland, Centricity is proud to serve the brave service members, veterans, and families who give so much to our communities. Our VA loan options are designed to make homeownership easier and more accessible—so you can focus on building a place you love.

Financing options up to 100%*
No down payment
No private mortgage insurance (PMI) required
Refinance options available for eligible borrowers
Guidance from local, experienced Centricity mortgage lenders

Want to Learn More?

Visit our Mortgage Education Center!

Our Mortgage-teers can help answer many of the questions you have on all Mortgage and Home Loan topics.

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FHA & VA Loan FAQs

Conventional loans suit buyers with strong credit. Portfolio loans are customized by the lender for unique situations. FHA loans are great for low down payments and credit flexibility. VA loans offer zero down for eligible veterans.
Complete a mortgage application and submit your financial documents to our loan officer (income, assets, debts). They’ll review and issue a pre-approval letter showing your borrowing abilities.