# 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

1. Get your certificate of eligibility (VA) or pre-approval (FHA)
2. Find your perfect home with my help
3. Submit your offer with confidence
4. 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

[Schedule Free Consultation](/en#contact)

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## Contact

Marina Ramirez, REALTOR® — Clear View Realty (El Paso, TX)

- Phone: (915) 240-8340
- Email: info@marina-ramirez.com
- Website: https://marina-ramirez.com/en

Human-readable version of this page: https://marina-ramirez.com/en/fha-va-loans