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Our easy-to-use financial tools can help you simplify your
decision-making process and make sound financial choices.
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At Cogent Bank, we are proud to partner with the Federal Housing Administration (FHA), US Department of Veteran’s Affairs (VA) and the US Department of Agriculture to provide low and/or no down payment options to our customers. Guaranteed by the FHA, VA and USDA, these loans offer more flexible borrowing terms and qualifications, making homeownership more accessible and affordable.
FHA mortgages are popular among first-time homebuyers with limited funds for down payments, but available to all borrowers. While requiring an upfront fee (Mortgage Insurance Premium). The benefits of an FHA loan include:
VA mortgages are available for retired and active service members and their spouses who meet eligibility requirements. Similar to FHA loans, VA loans require an upfront fee (Funding Fee). The benefits of a VA loan include:
USDA mortgages provide affordable financing opportunities for low-income borrowers looking to purchase a home in designated rural areas. Similar to FHA & VA loans, USDA loans require an upfront fee (Guarantee Fee). The benefits of a USDA loan include:
We’ll always go the extra mile for our client relationships, and ensure we’re acting in their best interest.
Cogent Bank’s NMLS# 402296
Our team makes the process simple and easy. Connect with a Loan Originator to learn more about our FHV, VA & USDA mortgage options.
