Government Backed Home Loans (FHA, VA, USDA)
Lower or no down payment options and fixed rate stability—backed by federal programs that help make homeownership more accessible. Our local mortgage pros will guide you from prequalification to closing.
FHA Loans
Designed to help first time and moderate income buyers, FHA insured mortgages offer flexible credit considerations and a lower minimum down payment.
- Lower minimum down payment than many conventional loans
- Purchase or refinance options
- Fixed rate terms for steady payments
VA Loans
Exclusive benefits for eligible service members, veterans, and some surviving spouses — often with no down payment and no PMI.
- Up to 100% loan to value for eligible borrowers
- No private mortgage insurance (PMI)
- Streamlined refinancing via IRRRL
USDA Loans
Zero down financing for eligible buyers in USDA designated rural areas, with fixed rate stability and up to 100% financing.
- 0% down for eligible properties and borrowers
- Up to 100% loan to value
- Fixed rate protection
Tools & Next Steps
Disclosures
Centennial Bank. Member FDIC. Equal Housing Lender. NMLS # 466091. All loans are subject to credit approval, income and asset verification, property eligibility, and program requirements. FHA, VA, and USDA programs have specific criteria, limits, and fees that may apply (including mortgage insurance, funding fees, or guarantee fees). Program availability may vary by location.
FHA Loans: Available for FHA fixed-rate 30, 25, 20, or 15-year terms. Minimum credit score of 620 required. Primary residence only. Documentation must verify that the borrower’s previous primary residence (owned or rented) was located in a Presidentially Declared Major Disaster Area (PDMDA) and was destroyed or damaged to the extent that reconstruction or replacement is necessary. If purchasing a new home, the new property does not have to be in the same area as the previous residence. Eligible properties include owner-occupied primary residences located in a PDMDA. Properties must be single-family homes or HUD-approved condominiums. FHA loan amounts and rate guidelines apply. Applications must be submitted within one year of the PDMDA declaration. Rates and terms are subject to change. Additional restrictions may apply. See bank for details.
VA Loans: Available for primary residences only. Minimum credit score and maximum loan limits apply. Not all applicants will qualify. Some products may not be available in all states. Credit and collateral are subject to approval. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Terms and conditions apply. All rights reserved.
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