If you’re a veteran or active-duty service member, the VA loan is arguably the best mortgage on the planet.
"Non-Qualified Mortgages" are for people who don’t fit the traditional bank mold—like self-employed workers or those with recent credit "events" (like a bankruptcy).
You’ll likely pay a higher interest rate and need a larger down payment, but it’s a viable way to get into a home while you rebuild. 5. The "Manual Underwriting" Secret
If you’re looking to buy in a designated "rural" area (which actually includes many suburbs!), the USDA loan is a hidden gem.
