Looking for just the low or no mortgage insurance home loan programs in USA that fit your unique situation? Start your free personalized mortgage review by clicking here.
Popular Low or No Mortgage Insurance Loan Programs
Check out the most popular low or no mortgage insurance loan programs in USA
HomeReady® Refinance
Most PopularBest For: Low Credit Scores, Lowest Rates
Competitive pricing, affordable mortgage insurance and flexible qualification for refinancing a home with limited income and equity.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$766,550
HomeReady® Purchase Loan
Most PopularBest For: First Time Homebuyers, Low Down Payments
Competitive pricing, affordable mortgage insurance and flexible qualification for buying a home with limited income and funds.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$766,550
Low or No Mortgage Insurance Options for Purchasing a Home
We searched our national mortgage program database to find all of the purchase home loan options specific to USA:
VA Purchase Loan
Best For: Lowest Rates, Zero Down
VA purchase loan program with no down payment requirement, competitive interest rates, limited closing costs, and no private mortgage insurance.
Min. Credit Score
580
Min. Down Payment
0%
Max. Loan Amount
$766,550
HomeReady® Purchase Loan
Best For: First Time Homebuyers, Low Down Payments
Competitive pricing, affordable mortgage insurance and flexible qualification for buying a home with limited income and funds.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$766,550
Flagstar Jumbo Express Purchase Loan
Best For: Large Down Payments, Large Loan Amounts, High Credit Scores, Savvy Investors
Flexible jumbo purchase option with 10% down option, flexible qualification guidelines, and lower credit score requirements.
Min. Credit Score
660
Min. Down Payment
10%
Max. Loan Amount
$3,500,000
USDA Purchase Loan
Best For: Zero Down, Easy Process
Home loans with up to 100% financing and lower mortgage insurance for low to moderate income homebuyers in eligible rural areas.
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$766,550
Chase Jumbo Purchase Loan
Best For: Large Down Payments, Large Loan Amounts, High Credit Scores
Fixed and adjustable-rate jumbo mortgage options for loan amounts up to $3 million—down payments as low as 10.01% and flexible qualification.
Min. Credit Score
680
Min. Down Payment
10.01%
Max. Loan Amount
$3,000,000
Special Programs for Low or No Mortgage Insurance
These additional loan programs available in USA may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.
Texas Veteran VA Loan
Best For: First Time Homebuyers, Low Credit Scores, Lowest Rates, Zero Down
The TexVet VA Loan allows Texas Veterans to purchase a home with a competitive, low-interest loan and zero down.
Min. Credit Score
580
Min. Down Payment
0%
Max. Loan Amount
$726,200
Texas Veteran Conventional Loan
Best For: First Time Homebuyers, Low Credit Scores, Lowest Rates
The TexVet Conventional Loan allows Texas Veterans to purchase a home with a competitive, low-interest loan.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$726,200
Texas Veteran FHA Loan
Best For: First Time Homebuyers, Low Credit Scores, Lowest Rates
The TexVet FHA Loan allows Texas Veterans to purchase a home with a competitive, low-interest loan and easier qualification.
Min. Credit Score
580
Min. Down Payment
3.5%
Max. Loan Amount
$472,030 - $571,550
Utah Housing VA Purchase Loan
Best For: Low Credit Scores, Zero Down
Financing for Utah veterans or active-duty military seeking down payment and closing cost assistance
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$726,200
Utah Housing Conventional Purchase - Low Income
Best For: Lowest Rates, Zero Down, Easy Process
Conventional financing for low income Utah residents seeking down payment and closing cost assistance.
Min. Credit Score
700
Min. Down Payment
3%
Max. Loan Amount
$726,200
* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.
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