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Fulton Bank
Fulton Bank

Government Insured Programs

Lower down payments. Special benefits.

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

Contact A Mortgage Professional

Contact a mortgage professional. We're in your neighborhood!

Make the move

Start the application process

It's easy to take the first step toward your new home. Use our online application to apply today. View our homebuying document checklist before applying to make the application process easier.