# Best Mortgage Programs for 2026 (VA, FHA, USDA, 3% Down Options)

Page: https://stenobird.com/podcast/the-mortgage-guy-6318482/best-mortgage-programs-for-2026-va-fha-usda-3-down-options
Text version: https://stenobird.com/podcast/the-mortgage-guy-6318482/best-mortgage-programs-for-2026-va-fha-usda-3-down-options.md
Podcast: [The Mortgage Guy](https://stenobird.com/podcast/the-mortgage-guy-6318482)
Published: 2026-02-18T13:00:00+00:00
Episode link: https://31fbe698-ace8-4bec-8d18-b8ef57d40af9.libsyn.com/best-mortgage-programs-for-2026-va-fha-usda-3-down-options
Audio file: https://traffic.libsyn.com/secure/31fbe698-ace8-4bec-8d18-b8ef57d40af9/Ep._116_FINAL_hd.mp3?dest-id=3914595
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JSON: https://stenobird.com/v1/public/podcasts/the-mortgage-guy-6318482/episodes/best-mortgage-programs-for-2026-va-fha-usda-3-down-options
Duration seconds: 782

## Resource

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 – Primary, second home, and investment property options ✅ Reverse Mortgages (62+) ✅ Non-QM Loans – Bank statement, DSCR, ITIN, and 1099 programs Plus, Adam explains how Western Ohio Mortgage goes beyond just the loan — offering insurance connections, title fee savings, biweekly payment setup options, and even ADT discounts to make your homeownership journey seamless. 🎯 Bottom line: There isn't one perfect mortgage — there's the right mortgage for you. 👉 Subscribe on YouTube and listen on Apple Podcasts and Spotify so you never miss an episode. 📞 Questions about buying a home or improving your mort…

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## Transcript

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