Is an FHA loan a worse loan than conventional?

Not worse — different. FHA has a lower down-payment floor and is more forgiving on credit, but it carries mortgage insurance for the life of the loan in most cases. Conventional with 5% down can be cheaper long-term if your credit supports it. We run both.

I've never used my VA benefit — what do I need?

Your Certificate of Eligibility (I can pull it for you), proof of service, and standard income and asset documentation. Most veterans qualify for far more than they expect, and the funding fee can sometimes be waived entirely.

Home loans without the runaround.Home loans without the runaround.

remy@remydaryani.com

Direct line on request

Remy Daryani

FHA and VA Loans

Government-backed financing for first-time buyers, lower down payments, and veterans.

About This Service

FHA and VA loans have rules that surprise borrowers if no one walks them through ahead of time — property condition requirements, mortgage insurance structure for FHA, entitlement and funding fee for VA, and what shows up on the Closing Disclosure that didn't show up on the Loan Estimate. I've closed enough of both to know where the friction points are and how to avoid them. If you're a veteran, a first-time buyer with a smaller down payment, or anyone who's been told their file is borderline, this is where we start.

Key Benefits

FHA at 3.5% down for credit scores from 580 up

VA loans at zero down with funding fee waivers reviewed

Property condition issues flagged before appraisal, not after

Manual-underwrite paths when automated systems say no

Down-payment assistance stacking with FHA where it qualifies

Our Process

Eligibility check

Veteran status, credit, income, and target property type. We confirm fit before pulling credit.

Pre-approval

Full FHA or VA pre-approval letter, with funding-fee and MIP cost laid out so there are no surprises later.

Property review

Once you're in contract, I flag any condition issues that could trip the appraisal so they get addressed early.

Close

Coordinate with VA or HUD as needed, keep underwriting moving, and clear to close on schedule.

Frequently Asked Questions

Interested in FHA and VA Loans?

Send a few details and I'll come back with the programs that actually fit your numbers — no credit pull, no obligation.