You may have more options than you think
Credit scores are important—but they are not the only factor. Government-backed programs may be more flexible for qualifying borrowers, and we can also discuss practical steps to strengthen your file over time.
Programs often used by credit-flexible buyers
FHA
- Designed for some first-time buyers who are seeking more credit-flexibility.
- Lower down payment requirements than some conventional options for qualified borrowers.
- Requires FHA mortgage insurance premiums.
- Must be originated by an FHA-approved lender.
VA (for eligible service members and veterans)
- No down payment* in some cases for eligible borrowers.
- No PMI; VA funding fee may apply (waived for some disabled veterans).
- Lenders set credit benchmarks—ask us what we see most often for approvals.
USDA (for eligible rural addresses)
- $0 down** for many eligible borrowers.
- Income and location eligibility rules apply.
Credit improvement checklist
- Pay down revolving balances when possible (credit utilization matters).
- Dispute inaccurate items on your credit reports.
- Avoid opening new credit accounts while you are in underwriting.
- Keep documented savings and stable income patterns.
- Geneva Financial is not licensed to give credit advice. Please reach out to credit advisor.
Respectful guidance
We will never shame you for past credit issues. Our job is to show realistic paths, timelines, and program choices so you can move forward with confidence.
Contact us to see what you qualify for
*100% financing up to the appraised value of the property.
**100% LTV of the appraised value plus the guaranteed fee.
All loans are subject to credit and underwriting approval. Program guidelines, rates, and limits change. This page is for general education and is not a commitment to lend. Ask a licensed loan officer for details that apply to you.