Mortgages · Government-Backed

Loans with the full faith of the federal government.

$0 downVA-eligible buyers

FHA, VA, and USDA loans are mortgages backed by U.S. government agencies. They're designed to make homeownership more accessible for first-time buyers, veterans, and rural buyers — typically with lower credit requirements and lower down payments.

At Kyon, we originate all three programs in-house. Our loan officers know each program's nuances cold, so you're matched with the right one from the first phone call.

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Three programs, one team

Pick the path that matches you.

FHA Loan

Federal Housing Administration loans for first-time and lower-credit buyers. Down payment as low as 3.5%.

3.5% down · 580+ credit Details

VA Loan

Department of Veterans Affairs loans for active-duty, veterans, reservists, and eligible spouses. $0 down, no PMI.

$0 down · No PMI Details

USDA Loan

USDA Rural Development loans for eligible rural and suburban homebuyers. $0 down with income limits.

$0 down · Rural eligible Details
FHA — Federal Housing Administration

For first-time buyers and rebuilding credit.

Eligibility

  • Credit score 580+ (500+ with larger down)
  • 3.5% down payment minimum
  • Owner-occupied only
  • Debt-to-income up to 56.9% (with compensating factors)

Key terms

  • 15-year and 30-year fixed
  • Up to FHA loan limit (varies by county)
  • Mortgage insurance premium (MIP) required
  • Gift funds allowed for down payment
VA — Department of Veterans Affairs

For those who served.

Eligibility

  • Active duty, veteran, National Guard, reservist, or eligible surviving spouse
  • Certificate of Eligibility (we help you get it)
  • Owner-occupied within 60 days
  • Credit score guidelines vary; flexible underwriting

Key terms

  • $0 down payment
  • No private mortgage insurance
  • Competitive fixed rates
  • VA funding fee can be financed into the loan
USDA — Rural Development

For rural and suburban buyers.

Eligibility

  • Property must be in a USDA-eligible area
  • Household income within USDA limits for the area
  • Credit score 640+ recommended
  • Owner-occupied only

Key terms

  • $0 down payment
  • 30-year fixed only
  • USDA guarantee fee (lower than MIP/PMI)
  • Generally lower rates than conventional
Why Kyon for a Government Loan

Programs are simple. Lenders aren't.

Government-backed loans add documentation steps. We've optimized for them.

Specialists, not generalists

Our team handles FHA, VA, and USDA loans every day. We know every nuance.

Faster than the average

Government loans don't have to drag. We've closed FHA and VA files in three weeks.

VA Certificate of Eligibility help

If you don't have your COE yet, we'll help you obtain it.

One point of contact

Same loan officer all the way through. No call-center handoffs.

Ready to start?

Buying your first home? Or your next one?

Soft credit pull. Government-loan specialists. NMLS #11252078.

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