Best Mortgage Programs for 2026 (VA, FHA, USDA, 3% Down Options)
About this episode
Adam Rose discusses various mortgage programs available for 2026, emphasizing the importance of tailored loan options for different buyers.
Adam Rose, Vice President & Senior Loan Officer at Western Ohio Mortgage, breaks down the full lineup of mortgage products available right now — and why there's no such thing as a one-size-fits-all loan. Whether you're a first-time buyer, seasoned investor, veteran, homeowner looking to renovate, or someone navigating self-employment income, this episode is your complete mortgage program refresher. Adam walks through: ✅ VA Loans – 0% down, no monthly PMI, competitive rates, and potential funding fee waivers for eligible veterans ✅ USDA Loans – 0% down options for rural areas like Shelby, Logan, Auglaize & surrounding counties ✅ FHA Loans – Flexible credit and DTI guidelines with 3.5% down ✅ Conventional Loans – As low as 3% down, risk-based PMI, and flexible property standards ✅ HomeReady & Home Possible – 3% down options with reduced PMI for qualifying borrowers ✅ Down Payment Assistance Programs – Including OHFA and other local solutions ✅ Renovation Loans – VA Reno, FHA 203K, USDA Reno, and Conventional Homestyle ✅ New Construction Financing – Two-time close structure with competitive out-of-pocket requirements ✅ Bridge Loans – Leverage equity to go non-contingent ✅ HELOCs –…
More episodes of The Mortgage Guy
- National Housing Update | Rates, Inflation & BIG Mortgage Changes Coming
- Big Mortgage Update: Trigger Leads Eliminated & Where Rates Are Heading
- Mortgage Rates Update: Spring Housing Market & Rocket Lawsuit Explained
- Mortgage Costs Are Changing | Here's What It Means For You
- Is Renting Really Cheaper? The 10-Year Rent vs Buy Breakdown (Part 2)
- Is Renting Really Cheaper? The 10-Year Rent vs Buy Breakdown (Part 1)
Explore listener stats, chart rankings, contacts and more on the The Mortgage Guy podcast page.