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VA home loans are 0% down payment loan programs for active duty and former military as well as some spouses.

Household income cannot exceed current limits, set county by county.

USDA home loans are 0% down payment loan options for borrowers in eligible areas, usually (but not always) rural.

Also, there may be no out-of-pocket costs. The VA streamline refinance does not require income verification or an appraisal. The FHA streamline refinance might not require a new appraisal. A streamline refinance has fewer requirements than a purchase mortgage application. Caliber Home Loans offers FHA and VA streamline refinance loans to help borrowers lower the interest rate on a loan. The HomeStyle loan can be used for luxury upgrades like financing a pool or even building a garage apartment. The 203(k) loan program is an FHA mortgage with extra funds to repair or rehab a property.

FHA 203(k) and HomeStyle are renovation loans.

For example, you may be able to have a co-borrower who does not live with you, or a mortgage cosigner.

They require a low down payment and offer flexible terms not found on all mortgages.

HomeReady and Home Possible loans are for low- to moderate-income borrowers.

HomeOne is a conventional mortgage requiring a 3% down payment.

Caliber Home Loans offers a broad menu of mortgage loan options.