Home ownership might not be as out of reach as you think. Federal Housing Authority (FHA), Veterans Administration (VA) and US Department of Agriculture (USDA) loans are government-backed mortgages featuring no or low down payment options and flexible credit guidelines.
Features & Benefits
No or low down payment.
VA and USDA loans offer no down payment—Up to 100% financing. FHA requires a 3.5% down payment.
Flexible credit guidelines
Government loans offer more flexible credit guidelines than conventional loans.
Popular for refinances, too
FHA and VA Streamline loans are available to easily refinance at a lower interest rate—even if your home value is less than the loan balance.
Free, convenient access to your accounts
With free online, mobile and touch-tone phone banking, you’ll be able to check balances, transfer money and securely access your mortgage statements.
Helpful Tools & Resources
Mortgage calculators and informative resources for one of life’s biggest decisions.
Equal Housing Lender. Midland States Bank NMLS #411141. Loans subject to credit approval.