FHA and VA Loans in El Paso
Affordable Financing for Your First Home
FHA and VA loans make homeownership more accessible for first-time buyers and veterans. As a specialist in these programs, I help you navigate the process and find the perfect loan for your needs.
FHA Loans - Ideal for First-Time Buyers
Key Benefits
- Only requires 3.5% down payment (with 580+ credit)
- More flexible credit scores (580-620 accepted)
- Allows sellers to pay closing costs
- Can use family gifts for down payment
Requirements
- Minimum credit score of 580 (or 10% down with 500-579)
- Debt-to-income ratio of 43% or less
- Property must be your primary residence
VA Loans - For Our Heroes
Exceptional Benefits
- 0% down payment - No down payment required!
- No private mortgage insurance (PMI)
- Competitive interest rates
- No prepayment penalty
Eligibility
- Veterans with honorable service
- Active military personnel
- Reservists and National Guard (with minimum service)
- Eligible surviving spouses
Simplified Process
- Get your certificate of eligibility (VA) or pre-approval (FHA)
- Find your perfect home with my help
- Submit your offer with confidence
- Complete the loan process with trusted lenders
Why Work with Marina?
- ✓ Specialized experience with FHA and VA loans
- ✓ Network of trusted local lenders
- ✓ Bilingual - Spanish spoken
- ✓ Deep knowledge of El Paso market