A Faster Way to See If You Qualify for Home Financing Programs

Discover loan options, down payment assistance, and flexible financing programs available in minutes.

WE HELP BUYERS MOVE FROM RENTING TO HOMEOWNERSHIP

PROGRAM HIGHLIGHTS

Up to 95–97% financing options available
Programs designed for self-employed and alternative income borrowers
Bank statements, 1099 income, and flexible documentation accepted
ITIN and non-traditional credit profiles considered
Rent history may help strengthen qualification

Whether you're a renter looking to purchase your first home, self-employed, rebuilding credit, or exploring alternative loan programs, there may be financing options available that support your path to homeownership.

For many renters, homeownership can feel like a goal that’s always just out of reach. With the right financing program, that path can become clearer and more achievable.

Today’s lending programs support a wide range of financial situations—including buyers with non-traditional income, self-employment, or limited credit history—helping more people move toward owning their home.

Who Qualifies?

Maximum LTVs:

FHA: Up to 96.5% financing available for qualified buyers
USDA: Up to 100% financing in eligible rural areas
VA: 100% financing available for qualified veterans and service members

Additional Eligibility Factors:

Minimum credit score starting around 620 for many programs
Primary residence purchases eligible under most programs
W-2 employees, self-employed, and contractors may qualify
First-time and repeat homebuyers welcome
Stable income and employment history typically required

These factors help determine which loan programs and financing options may best match your situation.

How Covenant Realty Helps You Move Toward Homeownership

Our approach is designed to simplify the path to buying a home. Instead of navigating multiple programs and confusing requirements, we help connect you with financing options that fit your goals and situation—so you can move forward with confidence.

Personalized Guidance

Work with professionals who understand the home financing process and help match you with programs that fit your needs.

Flexible Financing Options

Explore loan solutions designed for different income types, credit profiles, and homeownership goals.

Streamlined Approval Process

Our team helps simplify the steps involved so you can focus on finding the right home.

Clear Path Forward

Understand your options, next steps, and what it takes to move closer to owning your home.

Explore Home Financing Options That Fit Your Situation

Low down payment mortgage options available
Programs designed for first-time and repeat buyers
Flexible income verification options
Competitive financing solutions for qualified borrowers
Credit profiles starting around 620 considered

Options available for self-employed buyers
Multiple loan programs matched to your situation
Guidance throughout the home financing process
Financing solutions for different homeownership goals
Clear steps from qualification to closing

How it Works

PersonCheck Your Eligibilityalized Guidance

Start by answering a few quick questions about your homeownership goals, financial profile, and timeline. This helps identify financing programs that may match your situation.