10/06/2026
π‘ Think you need 20% down to buy a home? Think again!
There are several government-backed mortgage programs that can make homeownership more accessible β but which one is right for YOU?
π FHA β Great for first-time buyers, smaller down payments and more flexible credit requirements.
ποΈ VA β Eligible veterans and service members may qualify for 0% down and no monthly mortgage insurance.
πΎ USDA β Qualified buyers in eligible areas may be able to purchase with 0% down and competitive financing.
The right loan depends on your credit, savings, income, military eligibility and even where youβre buying.
Before you assume you canβt afford to buy, learn about your options!
π Read our latest guide to FHA, VA and USDA loans and find out which may be the best fit for you at chrislutherteam.com/blog
π Serving buyers throughout Wilmington, Leland, Brunswick County, New Hanover County and the surrounding coastal areas of NC.