Government Products
政府擔保產品
There are circumstances that make it difficult for some people to qualify for conventional mortgages. Government-insured loans exist for this very reason, so that borrowers who need funding can achieve their homeownership or financial goals.
Government home loans and other federally backed loans are often more affordable, can have lower interest rates and are often easier to qualify for than personal or conventional loans.
在某些情況下，某些人很難獲得傳統抵押貸款的資格。政府保險貸款的存在正是出於這個原因，以便需要資金的借款人可以實現他們的房屋所有權或財務目標。
與個人或傳統貸款相比，政府住房貸款和其他聯邦支持的貸款通常更實惠，利率更低，而且通常更容易獲得資格。
FHA Loans 聯邦貸款
Backed by the Federal Housing Administration, FHA loans are mortgage loans that have lower down payment and credit requirements, making them accessible to more people. Depending on where you live, you can get an FHA loan worth up to $822,375 with as little as 3.5% down. To qualify for an FHA loan with Rocket Mortgage, you must have a credit score of at least 580.
The downside of an FHA loan is that you’re required to pay an upfront mortgage insurance premium equal to 1.75% of your total loan value, followed by monthly mortgage insurance payments. Depending on the size of your down payment, you may be paying monthly mortgage insurance for the life of your loan.
在聯邦住房管理局的支持下，FHA 貸款是抵押貸款，具有較低的首付和信用要求，使更多人可以使用。根據您住的地方，您可以獲得價值高達 822,375 美元的 FHA 貸款，首付低至 3.5%。要獲得 Rocket Mortgage 的 FHA 貸款資格，您的信用評分必須至少為 580。
FHA 貸款的缺點是您需要支付相當於總貸款價值 1.75% 的前期抵押貸款保險費，然後每月支付抵押貸款保險費。根據您的首付金額，您可能會在貸款期限內每月支付抵押貸款保險。
FHA
- We follow the 4000.1 Guidelines Minimum
- FICO 620 allowed
- Streamline Refinances without Appraisal & Mortgage only credit report
- Our FHA Rates are extremely competitive!
VA Loans 退伍軍人貸款
The U.S. Department of Veterans Affairs backs VA loans. VA loans are only for veterans, current military personnel and qualifying surviving spouses. Most lenders require you to have a credit score of at least 620 to qualify, but Rocket Mortgage will accept scores as low as 580. The approval process will require you to have a valid certificate of eligibility (COE) as proof that you qualify for the loan.
Like USDA loans, VA loans don’t require any down payment when buying a home. However, both types of loans still require the home buyer to pay closing costs.
美國退伍軍人事務部支持退伍軍人事務部貸款。 VA 貸款僅適用於退伍軍人、現役軍人和符合條件的未亡配偶。大多數貸方要求您的信用評分至少為 620 才能獲得資格，但 Rocket Mortgage 可接受低至 580 的信用評分。審批流程將要求您持有有效的資格證書 (COE) 作為您有資格獲得貸款的證明。
與美國農業部貸款一樣，弗吉尼亞州貸款在購買房屋時不需要任何首付。然而，這兩種類型的貸款仍然需要購房者支付過戶費用。
VA
- Minimum FICO is 620
- VA IRRRL available
- Rates you need to check out today!
USDA Loans 美國農業部貸款
USDA loans are government-backed loans that can help you buy a home in a suburban or rural area. USDA loans don’t require a down payment, but you must have a credit score of at least 640 to qualify. The home you want to buy must also be in an eligible rural area; you can check your potential home’s eligibility on the USDA website.
美國農業部貸款是政府支持的貸款，可以幫助您在郊區或農村地區購買房屋。美國農業部貸款不需要首付，但您的信用評分必須至少為 640 才有資格。您要購買的房屋也必須位於符合條件的農村地區；您可以在美國農業部網站上查看您潛在房屋的資格。
USDA
- Purchase, R/T and Streamline Refinance
- Must be GUS approved
- Competitive 30 years fixed only available