If you’re staring at a home listing and doing the math on 20% down, you’re probably feeling stuck. Here’s the truth most retail lenders won’t tell you upfront: the 20% down payment is a myth for most buyers. Duane Buziak (NMLS #1110647 | Coast2Coast Mortgage LLC, NMLS #376205) works with 500+ wholesale lenders to find programs that fit your actual situation — not just the one product on a bank’s rate sheet.
Before you assume you can’t buy, use our NoTouch Credit Pull to see exactly what you qualify for today. A soft credit pull mortgage pre-approval won’t touch your credit score, and it takes minutes to start. This is a genuine advantage over walking into a retail branch and having someone run a hard inquiry before you’ve even compared options.
This article breaks down eight real strategies — with actual dollar examples — for buyers in Virginia, Florida, Tennessee, and Georgia who are ready to stop renting but don’t have a traditional down payment saved. By the end, you’ll know which programs match your profile, what the monthly payment differences look like in real numbers, and how to move forward without a hard inquiry on your credit report.
1. FHA Loans: 3.5% Down With a Path Most Buyers Qualify For
The Challenge It Solves
The biggest obstacle for most first-time buyers isn’t income — it’s the lump sum required at closing. When buyers hear “down payment,” they picture 20% of a $300,000 home, which is $60,000 in cash. That number stops a lot of capable buyers cold. FHA loans exist specifically to solve this problem by lowering the entry point to something most working households can actually reach.
The Strategy Explained
FHA loans, backed by the Federal Housing Administration, require just 3.5% down at a 580+ FICO score and 10% down at a 500–579 FICO score, according to HUD.gov’s FHA loan guidelines. On a $300,000 purchase, 3.5% down is $10,500 — compared to $60,000 at 20%. That’s a $49,500 difference that changes the timeline for most buyers from years of saving to months.
FHA also allows more flexible debt-to-income ratios than conventional financing, which means buyers with student loans, car payments, or other obligations often qualify when they wouldn’t elsewhere. The trade-off is mortgage insurance premium (MIP), which applies for the life of the loan on purchases with less than 10% down. That’s worth understanding before you commit — more on that in Strategy 5.
Implementation Steps
1. Check your FICO score. If you’re at 580 or above, you’re in the 3.5% down tier. If you’re between 500 and 579, you’ll need 10% down but can still qualify for FHA financing.
2. Get a no hard inquiry mortgage pre approval through NoTouch Credit Pull before you do anything else. This tells you your real buying power without affecting your score.
3. Identify your target purchase price and multiply by 3.5% to calculate your minimum down payment. Add estimated closing costs (typically 2–5% of the loan amount) to get your full cash-to-close picture.
4. Ask about combining FHA with down payment assistance — covered in Strategy 4 — to reduce or eliminate your out-of-pocket requirement further.
Pro Tips
FHA MIP on loans with less than 10% down lasts the life of the loan. If your credit improves after closing, refinancing into a conventional loan once you reach 20% equity can eliminate that ongoing cost. Think of FHA as your entry point, not necessarily your permanent mortgage structure.
2. VA Loans: No Down Payment Required for Eligible Veterans and Service Members
The Challenge It Solves
Veterans and active-duty service members have earned one of the most powerful mortgage benefits available — but many don’t use it because they don’t fully understand what it covers. The assumption that “you still need something down” is simply wrong for VA loans, and it costs eligible buyers thousands of dollars unnecessarily.
The Strategy Explained
VA loans, guaranteed by the U.S. Department of Veterans Affairs, require 0% down payment and carry no private mortgage insurance requirement — ever. On a $350,000 purchase, that’s $12,250 in cash savings at closing compared to FHA at 3.5% down. The VA funding fee applies in most cases, but it can be rolled into the loan, meaning your actual out-of-pocket at closing can be minimal.
Duane Buziak qualifies VA borrowers down to 500 FICO through the Coast2Coast wholesale network — well below what most retail lenders will approve. If you’ve been turned away elsewhere, that doesn’t mean you don’t qualify. It may mean you were talking to the wrong lender. Learn more about VA loan eligibility and benefits before your next step.
Implementation Steps
1. Confirm eligibility. VA loans are available to veterans, active-duty service members, National Guard and Reserve members meeting service requirements, and surviving spouses. Request your Certificate of Eligibility (COE) through VA.gov or let Duane pull it directly.
2. Run a NoTouch Credit Pull to establish your FICO baseline. Even at 500–579, VA financing may be available through the wholesale network.
3. Calculate your purchase price ceiling. With no down payment required, your limit is driven by income, debt-to-income ratio, and the 2026 conforming loan limit of $806,500 baseline ($1,249,125 in high-cost areas per FHFA).
4. Compare your VA rate quote against FHA to confirm which program delivers the lower total monthly payment for your specific profile.
Pro Tips
VA cash-out refinance allows up to 100% LTV — a completely different structure from conventional cash-out, which caps at 90%. If you’re a veteran thinking about future equity access, VA financing gives you more flexibility at every stage of homeownership, not just at purchase.
3. USDA Loans: 0% Down in Eligible Rural and Suburban Areas of VA, FL, TN, and GA
The Challenge It Solves
Many buyers in Virginia, Florida, Tennessee, and Georgia assume USDA loans are only for farmland or remote rural properties. That assumption eliminates a 0% down payment option for buyers in suburban ZIP codes that actually qualify. The USDA eligibility map is broader than most people expect, and missing this program means leaving 100% financing on the table.
The Strategy Explained
USDA Rural Development loans, backed by the U.S. Department of Agriculture, offer 100% financing with no down payment in USDA-eligible areas. On a $275,000 purchase, that’s $0 down at closing. The USDA upfront guarantee fee is 1% of the loan amount ($2,750 on a $275,000 loan), which can be rolled into the loan rather than paid out of pocket. The annual fee is 0.35% of the outstanding balance — approximately $962 per year, or about $80 per month on a $275,000 loan.
Compared to FHA’s MIP structure, USDA’s fee schedule is often cheaper on a long-term basis, particularly for buyers who plan to stay in the home for several years. The program has income limits tied to area median income, so it’s designed for moderate-income buyers — not a barrier for most first-time purchasers in qualifying markets. Review the full USDA loan program details to confirm eligibility for your target area.
Implementation Steps
1. Check USDA property eligibility at the USDA Rural Development website. Enter your target address to confirm the property qualifies — many suburban areas in VA, FL, TN, and GA do.
2. Verify income eligibility. USDA income limits are based on household size and county median income. Duane can run this calculation for your specific situation during the NoTouch Credit Pull consultation.
3. Compare the USDA fee structure against FHA MIP for your loan amount and expected time in the home to determine which program is cheaper over your ownership horizon.
4. Confirm the property meets USDA condition standards — the home must be modest in size and meet basic habitability requirements.
Pro Tips
USDA and VA are the only two programs offering true 0% down with no private mortgage insurance requirement. If you’re not a veteran but your target property is in a USDA-eligible area, this is your equivalent path to zero-down financing. Don’t skip the eligibility check just because you think your area “doesn’t qualify.”
4. Down Payment Assistance Programs: Dynamo and Turbo Options Through the Wholesale Network
The Challenge It Solves
Even buyers who qualify for a 3.5% FHA loan sometimes can’t pull together the cash-to-close when closing costs are added to the down payment. Down payment assistance programs exist to bridge that gap — but the best ones aren’t available at retail banks or through direct lenders. They live in the wholesale market, which is exactly where a soft pull mortgage broker like Duane Buziak operates.
The Strategy Explained
Through the Coast2Coast wholesale network, Duane has access to Dynamo and Turbo DPA programs — grant and second-lien structures that can cover down payment and closing costs for qualifying buyers. These are not products you’ll find at Rocket Mortgage or Movement Mortgage. Rocket operates as a retail direct lender on a single rate sheet; Movement Mortgage is a branch-based retail lender. Neither has access to the wholesale DPA product suite available through an independent broker.
Dynamo and Turbo DPA programs can be layered on top of FHA, conventional, and other loan types depending on the borrower’s profile. Some structures are true grants (no repayment required); others are soft second liens that are forgiven after a defined period of occupancy. The right structure depends on your income, credit profile, and target market.
Implementation Steps
1. Start with a NoTouch Credit Pull to establish your FICO, income picture, and debt-to-income ratio — the inputs that determine which DPA products you qualify for.
2. Identify your target purchase price and calculate the full cash-to-close: down payment plus estimated closing costs (2–5% of the loan amount).
3. Ask Duane specifically about Dynamo and Turbo DPA availability for your state (VA, FL, TN, or GA) and your loan type. Program availability and terms vary by state and investor.
4. Compare the DPA-assisted scenario against your own savings timeline. If a grant or soft second can get you into a home 18 months earlier, calculate what 18 months of rent payments represents in real dollars.
Pro Tips
DPA programs often have income caps and purchase price limits. They’re specifically designed for buyers who are close but not quite there on cash to close. If you’re over the income limit for one program, there may be another that fits — this is where having access to 500+ wholesale lenders matters more than any single program comparison.
5. Conventional Loans at 3% Down: Fannie Mae and Freddie Mac Programs
The Challenge It Solves
Many buyers default to FHA without realizing that conventional financing can actually cost less over time — including with a lower down payment. The persistent myth that conventional loans require 5% or 20% down keeps buyers in FHA products when a 3% conventional option would serve them better, particularly buyers who plan to build equity quickly.
The Strategy Explained
Fannie Mae HomeReady and Freddie Mac Home Possible both allow 3% down for qualifying buyers, according to Fannie Mae’s program guidelines and Freddie Mac’s Home Possible page. On a $320,000 home, 3% down is $9,600 — compared to $11,200 for FHA at 3.5%. That’s $1,600 less cash needed at closing.
The more significant long-term advantage: conventional PMI can be cancelled once you reach 20% equity. FHA MIP on loans with less than 10% down lasts the life of the loan. On a $320,000 purchase, once you’ve paid down or appreciated to $256,000 in remaining balance (80% LTV), your PMI goes away. With FHA, that cost continues regardless. For buyers who expect their income or home value to grow, conventional at 3% down can be the cheaper long-term choice even with a slightly higher initial rate.
The 2026 conforming loan limit is $806,500 baseline per FHFA, meaning most purchase transactions in VA, FL, TN, and GA fall well within conventional loan territory.
Implementation Steps
1. Check income eligibility. HomeReady and Home Possible have area median income (AMI) caps in some markets — Duane can verify your specific county during the rate consultation.
2. Compare the full cost of FHA vs. conventional 3% for your loan amount: factor in both the rate difference and the long-term MIP vs. PMI cancellation timeline.
3. If your FICO is 620 or above, conventional pricing becomes increasingly competitive. Run both scenarios side by side before committing to FHA.
4. Ask about combining HomeReady or Home Possible with DPA programs — some wholesale investors allow layering, which can reduce cash to close further.
Pro Tips
Conventional loans also allow rental income from an accessory dwelling unit (ADU) to be counted toward qualifying income under HomeReady guidelines. If your target property has a basement apartment or detached unit, that income stream could expand your qualifying purchase price significantly.
6. Seller Concessions: Getting the Seller to Cover Your Closing Costs
The Challenge It Solves
Buyers who’ve saved their down payment often get blindsided by closing costs. Typical closing costs run 2–5% of the loan amount — on a $300,000 purchase, that’s another $6,000 to $15,000 due at closing on top of the down payment. Seller concessions are a legitimate, program-approved way to redirect that cash requirement back to the seller — freeing your saved funds for the down payment itself.
The Strategy Explained
Seller concessions allow the seller to contribute toward the buyer’s closing costs as part of the purchase agreement. Program limits vary: FHA allows up to 6% of the purchase price in seller concessions; VA allows up to 4%; conventional allows 3–9% depending on loan-to-value ratio, per HUD, VA, and Fannie Mae program guidelines. On a $300,000 purchase, a 3% seller concession equals $9,000 in closing costs covered — cash that stays in your pocket and can be redirected to strengthen your down payment.
In markets where sellers have flexibility — or where a property has been sitting — negotiating concessions is a realistic strategy. Your real estate agent structures the request, and your broker ensures the concession amount stays within program limits so it doesn’t create compliance issues at underwriting. This is also where a no credit hit mortgage application through NoTouch Credit Pull matters: you want to know your loan program and concession ceiling before you make an offer, not after.
Implementation Steps
1. Identify your loan program first. Your concession ceiling depends on whether you’re using FHA (6%), VA (4%), or conventional (3–9% by LTV). Know your limit before you negotiate.
2. Work with your real estate agent to assess seller motivation. Concessions are easier to negotiate when a property has been on the market longer or when the seller is relocating on a deadline.
3. Structure the offer at or near full asking price with a concession request, rather than a lower price with no concession — in some markets, this approach preserves the seller’s net proceeds while achieving the same buyer benefit.
4. Have Duane confirm the concession amount fits within program guidelines before the contract is finalized. Concessions that exceed program limits must be reduced, which can create last-minute renegotiation headaches.
Pro Tips
Seller concessions can cover origination fees, title insurance, prepaid interest, escrow setup, and other allowable closing costs. They cannot be applied directly to the down payment itself — but by eliminating closing costs, they free your cash to cover the down payment. The net effect is identical: less money out of your pocket at the closing table.
7. Gift Funds and Family Contributions: What’s Actually Allowed
The Challenge It Solves
Many buyers assume they must save their entire down payment independently. That assumption prevents families from helping each other into homeownership when they have the means to do so. Gift funds are explicitly permitted across all major loan programs — the barrier isn’t the rule, it’s not knowing the documentation requirements well enough to use the option confidently.
The Strategy Explained
FHA, VA, USDA, and conventional loans all permit gift funds for down payment with proper documentation, per HUD Handbook 4000.1 for FHA and the Fannie Mae Selling Guide for conventional financing. The core requirements across programs are consistent: a signed gift letter stating the amount, the donor’s relationship to the borrower, and confirmation that no repayment is expected; documentation of the donor’s ability to give (bank statements); and a clear paper trail showing the transfer from donor to borrower.
For FHA loans, the entire down payment can come from a gift — there is no requirement that the borrower contribute any of their own funds on a 3.5% down transaction (at 580+ FICO). This completely eliminates the savings barrier for buyers with family members willing and able to help. Buyers carrying student loan debt alongside their mortgage may find gift funds especially valuable in bridging the gap to closing.
Implementation Steps
1. Confirm the donor relationship. Most programs require the donor to be a family member, though some conventional programs allow employer or nonprofit gifts. FHA defines acceptable donors broadly to include parents, siblings, grandparents, aunts, uncles, and domestic partners.
2. Prepare the gift letter. Duane’s team provides a compliant template — the letter must state the amount, confirm no repayment is expected, and include the donor’s contact information and relationship to the borrower.
3. Document the transfer. The funds should move directly from the donor’s account to the borrower’s account (or to closing) with a clear paper trail. Avoid cash transfers — wire transfers or checks with bank statements showing the withdrawal and deposit are cleanest for underwriting.
4. Time the transfer correctly. Funds that have been in the borrower’s account for 60+ days (the standard “seasoning” period) are treated as the borrower’s own funds and require no gift documentation at all — if timing allows, early transfers simplify the file.
Pro Tips
Gift funds cannot come from the seller, real estate agent, or any party with a financial interest in the transaction. They also cannot be disguised loans — if the donor expects repayment, it must be structured as a legitimate second lien, not a gift. Misrepresenting a loan as a gift is mortgage fraud. Document everything cleanly and you’ll have no issues.
8. Broker vs. Retail Lender: Why Your Down Payment Options Are Wider With a Wholesale Broker
The Challenge It Solves
Every strategy in this article is only as accessible as the lender you’re working with. A retail lender — regardless of how well-known the brand — can only offer you what’s on their rate sheet. If their sheet doesn’t include a Dynamo DPA, a 500-FICO VA path, or a USDA option for your ZIP code, you simply won’t hear about it. The structural difference between a retail lender and an independent wholesale broker determines which options ever reach your desk.
The Strategy Explained
Duane Buziak (NMLS #1110647 | Coast2Coast Mortgage LLC, NMLS #376205) operates as an independent wholesale mortgage broker. That means every file is shopped across 500+ wholesale lenders to find the best rate and program for that specific borrower’s profile. Rocket Mortgage is a retail direct lender operating on a single proprietary rate sheet. Movement Mortgage is a branch-based retail lender with the same structural limitation. Neither has access to wholesale pricing, and neither offers a NoTouch Credit Pull soft-pull pre-approval equivalent that lets you compare rates without triggering a hard inquiry.
The table below outlines the factual structural differences. These are not opinion claims — they reflect the documented operational model of each entity. Understanding how interest rates affect your mortgage across different lender types is essential context for evaluating these comparisons.
| Feature | Duane Buziak / Coast2Coast (Broker) | Rocket Mortgage | Movement Mortgage |
|---|---|---|---|
| Lender Access | 500+ wholesale lenders per file | Single retail rate sheet | Single retail rate sheet |
| Rate Structure | Wholesale pricing (no retail markup) | Retail pricing with overhead built in | Retail pricing with overhead built in |
| Down Payment Assistance | Dynamo, Turbo DPA, and wholesale DPA programs | Limited retail DPA options | Limited retail DPA options |
| Soft-Pull Pre-Approval | NoTouch Credit Pull (no hard inquiry) | No equivalent soft-pull pre-approval | No equivalent soft-pull pre-approval |
| VA Minimum FICO | 500 FICO through wholesale network | Typically 620+ minimum | Typically 620+ minimum |
| Non-QM / Specialty Products | DSCR, Bank Statement, ITIN, Foreign National | Limited Non-QM availability | Limited Non-QM availability |
| Licensing | VA, FL, TN, GA | Nationwide retail | Nationwide retail |
| Closing Cost Structure | No-out-of-pocket closing options available | Standard retail closing costs | Standard retail closing costs |
Implementation Steps
1. Before contacting any lender, run a NoTouch Credit Pull through LowerMortgageRates.com. This establishes your profile without a hard inquiry and gives Duane the information needed to match you to the right wholesale product.
2. Request a side-by-side rate comparison across multiple wholesale investors — not a single quote. This is the core broker advantage: the same borrower profile gets priced by multiple competing lenders, and the best execution wins.
3. Ask specifically about DPA layering, FICO-based pricing tiers, and whether any specialty programs (USDA, VA to 500 FICO, Dynamo/Turbo DPA) apply to your situation.
4. Compare the total cost of financing — rate, fees, MIP/PMI, and DPA structure — not just the interest rate headline. The lowest rate doesn’t always produce the lowest monthly payment or the lowest total cost over your expected ownership period.
Pro Tips
The wholesale broker model doesn’t cost you more — brokers are compensated by the wholesale lender, not by marking up your rate. In most cases, wholesale pricing is lower than retail because there’s no branch overhead or shareholder margin built into the rate. You get more options at a lower structural cost. That’s the fundamental advantage of working with an independent broker rather than a retail direct lender.
Frequently Asked Questions
Q1: How does a mortgage broker get lower rates than Rocket Mortgage or Movement Mortgage?
A wholesale mortgage broker like Duane Buziak shops your file across 500+ wholesale lenders, each competing for the loan. Retail lenders like Rocket Mortgage and Movement Mortgage offer only their own rate sheet, which includes retail overhead and margin built into the pricing. Wholesale rates bypass that markup because the broker is compensated separately by the wholesale lender — not through a rate premium charged to the borrower.
Q2: Can I get a mortgage rate quote without a hard credit pull?
Yes. The NoTouch Credit Pull at LowerMortgageRates.com is a soft-pull pre-approval that does not trigger a hard inquiry on your credit report. You receive a real rate comparison across multiple wholesale lenders without any impact to your credit score. This is a no hard inquiry mortgage pre approval — not an estimate or a generic range.
Q3: What is the current conforming loan limit in 2026?
The 2026 FHFA conforming loan limit is $806,500 for baseline areas and $1,249,125 for high-cost areas, per the FHFA 2026 announcement. Most purchase transactions in Virginia, Florida, Tennessee, and Georgia fall within the baseline limit, qualifying for conventional Fannie Mae and Freddie Mac financing.
Q4: What is the minimum down payment for an FHA loan?
FHA requires 3.5% down at a 580+ FICO score and 10% down at a 500–579 FICO score, per HUD.gov FHA guidelines. On a $300,000 purchase, 3.5% down is $10,500 — compared to $60,000 at 20% down. The entire down payment can come from gift funds with proper documentation.
Q5: What credit score do I need to get the lowest mortgage rate in 2026?
Conventional loan pricing improves at each FICO tier, with the best rates typically available at 740+ FICO. FHA is accessible at 580+ for 3.5% down. VA loans through the Coast2Coast wholesale network are available down to 500 FICO — well below what most retail lenders will approve. The right program depends on your FICO, income, and target market, which is why a NoTouch Credit Pull is the right first step.
Q6: How does NoTouch Credit Pull work for a mortgage pre approval without hard pull?
NoTouch Credit Pull uses a soft inquiry to pull your credit profile — the same type of pull used when you check your own credit. It does not appear on your credit report as a hard inquiry, does not affect your FICO score, and is not visible to other lenders. It provides Duane with enough data to match you to real wholesale programs and give you an accurate rate range. A mortgage pre approval without hard pull means you can shop confidently before committing to a single lender.
Q7: What is the difference between a mortgage broker and a direct lender on rate?
A direct lender (retail bank or non-bank lender) funds loans from their own balance sheet and prices at retail — their rate includes overhead, margin, and profit. An independent wholesale mortgage broker submits your file to multiple wholesale investors who compete for the loan. The broker is compensated by the winning lender, not by marking up your rate. The result is typically lower pricing, more program options, and access to specialty products (DPA, Non-QM, USDA, VA to 500 FICO) that retail lenders don’t carry.
Q8: How do I compare mortgage rates across 500+ lenders without damaging my credit score?
Use the NoTouch Credit Pull at LowerMortgageRates.com. This no credit hit mortgage application pulls a soft inquiry that gives Duane Buziak the data needed to price your file across the wholesale network without triggering a hard inquiry. You see real competing rates from multiple investors — not a single retail quote — and your credit score is untouched throughout the process. Call 804-212-8663 or start online to begin.
Your Implementation Roadmap
You now have eight concrete strategies for buying a home without a traditional 20% down payment. The real question isn’t which strategy exists — it’s which one fits your specific credit profile, income, target market, and timeline. That’s not a question a generic rate calculator can answer.
Here’s how to move forward efficiently. Start with a NoTouch Credit Pull to establish your FICO baseline, income picture, and debt-to-income ratio. That single step tells you whether you’re in FHA territory (3.5% down at 580+), VA territory (0% down for eligible veterans), USDA territory (0% down in eligible suburban ZIP codes), or conventional 3% territory — and whether DPA layering can reduce your cash to close further.
The math matters. On a $350,000 purchase, the difference between a 3.5% FHA down payment and a 0% VA loan is $12,250 out of pocket at closing. The difference between a retail lender’s single rate sheet and a wholesale broker shopping 500+ investors can translate to hundreds of dollars per month over the life of your loan. Neither of those differences is abstract — they’re real dollars that affect your monthly budget and your long-term wealth.
Buyers in Virginia, Florida, Tennessee, and Georgia can reach Duane Buziak directly at 804-212-8663 to run a no credit hit mortgage application and receive a real rate comparison across the wholesale network. There’s no hard inquiry, no obligation, and no retail markup built into the quote.
Don’t let a down payment assumption stop you from buying. Schedule your free consultation today and find out which program gets you into a home fastest with the least cash out of pocket. Duane Buziak, NMLS #1110647 | Coast2Coast Mortgage LLC, NMLS #376205 — licensed in VA, FL, TN, and GA.
Legal Disclaimer: This content is provided for informational purposes only and does not constitute a commitment to lend or an offer of credit. All loan programs are subject to credit approval, income verification, property appraisal, and investor guidelines. Loan terms, rates, and program availability are subject to change without notice. Duane Buziak (NMLS #1110647) is a licensed mortgage broker operating through Coast2Coast Mortgage LLC (NMLS #376205). Coast2Coast Mortgage LLC is licensed to originate mortgage loans in Virginia, Florida, Tennessee, and Georgia only. This is not an advertisement for a specific loan product. FHA, VA, USDA, Fannie Mae, and Freddie Mac programs are subject to their respective agency guidelines. Down payment assistance program availability, terms, and eligibility requirements vary by investor and are subject to change. Seller concession limits are subject to program guidelines and lender overlays. Gift fund requirements are governed by the applicable loan program guidelines. Contact Duane Buziak at 804-212-8663 or visit LowerMortgageRates.com for current program availability and licensing information.
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**LINK MAP — Internal & External Links Added**
| # | Anchor Text | Destination URL | Type | Section Placed |
|—|—|—|—|—|
| 1 | debt-to-income ratios | https://lowermortgagerates.com/debt-to-income-ratio-mortgage/ | Internal [BLOG] | H2 §1 — FHA Loans |
| 2 | VA loan eligibility and benefits | https://lowermortgagerates.com/va-loans/ | Internal [MARKETING] | H2 §2 — VA Loans |
| 3 | USDA loan program details | https://lowermortgagerates.com/usda-loans/ | Internal [MARKETING] | H2 §3 — USDA Loans |
| 4 | down payment and closing costs | https://lowermortgagerates.com/down-payment-assistance/ | Internal [MARKETING] | H2 §4 — DPA Programs |
| 5 | conventional at 3% down | https://lowermortgagerates.com/conventional-loan-down-payment-explained/ | Internal [OTHER] | H2 §5 — Conventional Loans |
| 6 | loan program and concession ceiling | https://lowermortgagerates.com/mortgage-pre-qualification/ | Internal [MARKETING] | H2 §6 — Seller Concessions |
| 7 | student loan debt alongside their mortgage | https://lowermortgagerates.com/mortgage-with-student-loans/ | Internal [BLOG] | H2 §7 — Gift Funds |
| 8 | how interest rates affect your mortgage | https://lowermortgagerates.com/