The Best 2024 Sunshine FHA Mortgage Programs
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640 + Fico Score Home Loans
Having a 640 credit score allows for homebuyers to qualify for a majority of programs available across the U.S.A. The popular Sunshine FHA home loan was introduced in 1934. The program features lower down payment options and easier qualifications for new and repeat homebuyers. Another Government program strictly for Veteran’s was introduced in 1944, the Sunshine VA home loan allows for certain service members to buy a home with no money down even with lower credit scores. Another favorite of ours, the USDA home loan created in 1991 offers the no money down option. Last but not least a homebuyer favorite the forgivable Sunshine FHA homebuyer grant. With over 26 years of experience our experts are here to answer your questions. We will have you pre-approved and ready to shop in minutes.
Get Pre-Approved Now
(640 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- 640 Credit Qualifies for a Grant to Cover Down Payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
USDA Loan Benefits
- Buy with No Money Down
- Streamlined credit approval for scores above 640
- Look Up Eligible USDA Areas Here
- Extremely Loan Rates for USDA Home Buyers
FHA Grant Benefits
- Grant is completely forgiven
- Grant can be used for down payment
- Not required to be first time home buyers
- Keep your down payment money in the bank
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Sunshine is Eligible for FHA Home Buyers
Popular FHA Cities for New Home Buyers
- Stonegate CO FHA Home Buyer Programs
- Olathe CO FHA Home Buyer Programs
- Kit Carson CO FHA Home Buyer Programs
- Brush CO FHA Home Buyer Programs
- Pagosa Springs CO FHA Home Buyer Programs
- Avondale CO FHA Home Buyer Programs
- Redstone CO FHA Home Buyer Programs
- Salt Creek CO FHA Home Buyer Programs
- Fulford CO FHA Home Buyer Programs
- Walsenburg CO FHA Home Buyer Programs
620 + Fico Score Home Loans
Having a 620 credit score allows new Sunshine homebuyers many options. The FHA offers amazing rates even with less than perfect credit. Even better the FHA offers buyers the option to buy with a 3.5% down payment. Don’t have a down payment, no worries we offer a private Sunshine FHA grant program. The Sunshine FHA grant program requires a minimum 620 credit score. The programs don’t stop there, Even with a 620 credit score we have more options. The USDA home loan and the Sunshine VA home loan are also available. The USDA mortgage allows for home buyers to purchase with NO money down. Understand the average qualifying credit score is 640 but our 2024 guidelines allow for manual underwriting. A manual approval will need to be completed by an underwriter and is not guaranteed. Last but not least our Sunshine VA Military home loan is another NO money down option for those who serve the USA, the greatest country on earth.
Get Pre-Approved Now
(620 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- 620 Credit Qualifies for a Grant to Cover Down Payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
USDA Loan Benefits
- Buy with No Money Down
- 620 credit scores will need manual approval by underwriting
- Look Up Eligible USDA Areas Here
- Extremely Loan Rates for USDA Home Buyers
FHA Grant Benefits
- Grant is completely forgiven
- Grant can be used for down payment
- Not required to be first time home buyers
- Keep your down payment money in the bank
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Areas Near Sunshine are Eligible for USDA Loans
Popular areas that may be Eligible for USDA Home Buyers
- USDA Home Loans Colorado Springs, CO
- USDA Home Loans Durango, CO
- USDA Home Loans Fort Collins, CO
- USDA Home Loans Glenwood Springs, CO
- USDA Home Loans Canon City, CO
- USDA Home Loans Boulder, CO
- USDA Home Loans Fruita, CO
- USDA Home Loans Rifle, CO
- USDA Home Loans Alamosa, CO
- USDA Home Loans Grand Junction, CO
580 Fico Score Home Loans
Having a 580 plus credit score will allow Sunshine home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 580 credit score a down payment of 3.5% will be needed. The down payment can come as a gift. Another great options for lower credit scores is our Sunshine VA Military home loan. Veteran’s can qualify with a 580 credit score and NO money down.
Get Pre-Approved Now
(580 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Sunshine is Eligible for Veteran Home Programs
Popular Cities for Veteran Home Buyers
- Best VA Loans in Denver, Colorado
- Best VA Loans in Colorado Springs, Colorado
- Best VA Loans in Aurora, Colorado
- Best VA Loans in Fort Collins, Colorado
- Best VA Loans in Lakewood, Colorado
- Best VA Loans in Thornton, Colorado
- Best VA Loans in Arvada, Colorado
- Best VA Loans in Westminster, Colorado
- Best VA Loans in Pueblo, Colorado
- Best VA Loans in Greeley, Colorado
560 Fico Score Home Loans
560 plus credit scores allow home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 560 credit score a down payment of 10 - 20% will be needed. The down payment can come as a gift. Another great option for lower credit scores is our VA Military home loan. Veteran’s can qualify with a 560 plus credit score.
Get Pre-Approved Now
(560 Credit Score Required)
FHA Loan Benefits
- Buy with 10 - 20% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
500 Fico Score Home Loans
With 500 plus credit scores options are still available for home buyers. The Sunshine FHA program is still available for home buyers, understand you will need a larger down payment, usually 10 - 20% The down payment can come as a gift. Another great option for lower credit scores is our Sunshine VA Military home loan. Veteran’s can qualify with a 500 plus credit score. Keep in mind a 500 plus credit score is a higher risk for lenders, this means it will be underwritten manually by an underwriter.
Get Pre-Approved Now
(500 + Credit Score Required)
FHA Loan Benefits
- Buy with 10 - 20% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Low Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Hundreds of 5 Star Reviews!
Sunlight is a portion of the electromagnetic radiation given off by the Sun, in particular infrared, visible, and ultraviolet light. On Earth, sunlight is scattered and filtered through Earth’s atmosphere, and is obvious as daylight when the Sun is above the horizon. When direct solar radiation is not blocked by clouds, it is experienced as sunshine, a combination of bright light and radiant heat. When blocked by clouds or reflected off other objects, sunlight is diffused. Sources estimate a global average of between 164 watts to 340 watts[1] per square meter over a 24-hour day;[2] this figure is estimated by NASA to be about a quarter of Earth’s average total solar irradiance.
The ultraviolet radiation in sunlight has both positive and negative health effects, as it is both a requisite for vitamin D3 synthesis and a mutagen.