Government Insured Programs

The Federal Housing Administration (FHA), U.S. Department of Agriculture (USDA), and the U.S. Department of Veterans Affairs (VA) insure government mortgage loans offered by Fulton Mortgage Company that give qualified individuals the opportunity to own their own home.

Government-backed loans

FHA Mortgages

These government-backed loans typically provide lower down payments than traditional loans and have more flexible credit requirements.

• Standard fixed or adjustable rate mortgages are available
• Little to no down payment¹
• Seller can assist with up to 6% of purchase price toward closing costs

VA Mortgages

Eligible veterans can finance up to 100% of the purchase price² of many homes without having to pay mortgage insurance. The seller of the property may pay up to all of your closing costs. Reservists and National Guard members may also be eligible depending on time served. Contact a mortgage professional for details about eligibility, documentation, and other requirements.

Rural Housing Service Programs

Established in 1991 by the US Department of Agriculture (USDA), rural housing service programs are designed to help medium income Americans buy a home in rural and suburban communities. 100% financing² is available and seller may pay all settlement costs. To qualify:

• The property must be in an eligible rural area
• You must occupy the home as a primary residence