GOVERNMENT-BACKED
FHA / VA / USDA
Three distinct government-backed programs designed to make homeownership accessible — with low or zero down payment options and flexible qualifying guidelines.
Low & Zero Down Options
FHA - Federal Housing Administration
Down payment
3.5%
with 580+ credit score
Credit score
580+
500-579 with 10% down
Easier to qualify — more flexible credit and income requirements
Great for first-time buyers or those rebuilding credit
Requires upfront and annual mortgage insurance premium (MIP)
VA - Veteran Affairs
Down payment
$0
No down payment required
PMI
None
No mortgage insurance
Zero down payment — exclusive benefit for veterans & active duty
No private mortgage insurance — saves hundreds per month
Competitive rates and a lifetime benefit that can be reused
Requires VA funding fee (can be rolled into loan) and Certificate of Eligibility
USDA - Rural Development
Down payment
$0
For eligible rural areas
Income limits
Apply
Area-specific limits
Zero down payment for eligible rural and suburban areas
Some areas in Bristol, Plymouth & Norfolk counties may qualify
Income and property location eligibility requirements apply
Standard Mortgage Capital LLC
dba Rize Mortgage
NMLS 1604663
Contact Me
Located in Massachusetts
Licensed in MA and RI
Rize Mortgage
53 NW 100th Ave
Plantation, FL 33324
774-240-4240
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