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 –…

People in this episode

Host: Adam Rose

Topics covered

• mortgage programs
• VA loans
• FHA loans
• USDA loans
• home buying
• renovation loans
• financing options

Keywords

• mortgage
• VA loans
• FHA loans
• USDA loans
• home buying
• renovation loans
• financing options
• down payment assistance
• HELOCs
• bridge loans

Mentioned in this episode

Organizations: Western Ohio Mortgage

Products: VA Loans, USDA Loans, FHA Loans, Conventional Loans, HomeReady, Home Possible, Down Payment Assistance Programs, Renovation Loans, New Construction Financing, Bridge Loans

Places: Shelby, Logan, Auglaize

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