Our experienced loan officers will assess your financial goals, credit profile, and long-term plans to recommend the best mortgage option for your needs. We’ll look at your credit score, down payment, income, and long-term plans. If you have excellent credit and 20% down, conventional is usually the way to go. If you’re a veteran, VA loans are almost always the best option. If you have limited funds for a down payment or less-than-perfect credit, FHA might make sense.

But there’s no universal answer. We’ve seen situations where someone with great credit chose an FHA loan because it made more sense for their specific situation.