You are buying a new home or refinancing an existing home.
You're looking to reduce interest cost or consolidate debt.
You're ready to buy your first home.
You are buying a new home with a small down payment or refinancing an existing FHA mortgage to a lower rate.
You live in a rural area or other eligible geographic location.
You have served or are active-duty military.
You need a loan exceeding the conventional $424,100 limit.
You want to buy land, build your own home, or make restorations.
You don't completely fit conventional mortgage guidelines.