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FHA,VA & USDA Financing Options

Looking To Purchase A New Home But You Haven’t Saved Up For A Large Down Payment?
Finding It Difficult To Get A Loan Finalized? Conventional Financing And Non-Conventional Financing?

Here are three options that NorthPort Funding can provide to help you in your home-buying journey

Conventional Financing is a home financing program that is offered by financial institutions or banks, which are not insured or backed by the government. It offers up to 97% of the home value as a loan. If you are looking for a lower monthly payment and ok with a longer loan duration this would be the route to choose.

A Federal Housing Administration
(FHA) Loan

A Department Of Veterans Affairs
(VA) Loan

A United States Department of Agriculture (USDA) Loan

FHA Financing

FHA loans are an exceptional choice for prospective homeowners who may find it challenging to secure a loan from private lenders. These loans cater to individuals with diverse financial circumstances, such as:

  • Borrowers with less than perfect credit scores.

  • Individuals unable to afford large down payments.

  • Prospective homeowners with low-to-medium monthly incomes.

At NorthPort Funding, we specialize in helping these individuals realize their dreams of homeownership. With our FHA loans, your financial situation shouldn't prevent you from owning a home. Embrace a future with endless possibilities, starting with the keys to your new home.

FHA Financing

FHA Loans - Credit Score And Down Payment

If you have a credit score of 580 or higher, you can qualify for an FHA loan and provide just a 3.5% down payment.

If your credit score is between 500 and 579, you can still qualify for a FHA loan, but you will have to pay 10% of the home’s value up front.


Securing an FHA loan, insured by a government agency, presents a win-win situation for both the borrower and lender. In case of mortgage default, the lender is guaranteed reimbursement from the government. This safety net allows lenders to more readily approve loans for individuals with low-to-medium monthly income, making homeownership more accessible.

You don't directly apply for an FHA loan through the government agency. Instead, you go through an FHA-approved lender, like NorthPort Funding. We're committed to guiding you on this journey towards homeownership. With NorthPort Funding, you're not just applying for a loan, you're embarking on a pathway to secure a promising future.


One of the key advantages of an FHA loan is its flexibility and understanding for the borrower. Even if past financial missteps such as bankruptcy have marred your record, an FHA loan can still be within your grasp.

At NorthPort Funding, we evaluate your loan eligibility holistically. We take into account your credit score, payment history, consistent income, and other standard factors, but we see beyond just the numbers. We strive to understand your individual circumstances.

Don't let past financial hardships obstruct your home-owning dreams. Reach out to NorthPort Funding today to explore if an FHA loan could be your pathway to homeownership!


Are you looking to buy a home in a rural or suburban area?

At NorthPort Funding, we are proud to offer USDA loans, designed to make home ownership more accessible for individuals in rural communities!

With our USDA loans, you'll benefit from:

  • No down payment requirement, lightening the load of upfront costs.

  • The flexibility to purchase an existing home, build a new one, or even renovate your current home.

  • No payment penalties, so you can repay your loan on your schedule.

  • No private mortgage insurance (PMI), helping to lower your monthly payments.

Trust NorthPort Funding to bring your dream of homeownership to life in rural and suburban communities



As a U.S. war veteran or surviving spouse, securing your dream home should be a seamless journey. At NorthPort Funding, we honor your service with our flexible VA loans designed to ease your path to homeownership.

With our VA loans, you'll enjoy:

  • No down payment requirement, alleviating up-front financial burdens.

  • The flexibility to buy an existing home, build a new one, or even renovate your current residence to suit your needs.

  • No payment penalties, giving you the freedom to manage your finances on your terms.

  • No private mortgage insurance (PMI), reducing your monthly payments.

Trust NorthPort Funding to make your journey to homeownership smoother and more affordable.

Together Again


Still have questions or want to apply for a FHA or VA Loan?

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