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Eligibility.org does just that: it helps you check your eligibility for popular mortgage programs, both for purchase and refinance. The platform lets you quickly connect with a variety of lenders by answering a short questionnaire. Borrowers can find an array of low or no down payment loans, while those looking to refinance can benefit from a list of personalized lending options.
The platform is particularly well-suited to individuals looking to quickly filter loan offers based on their current situation. Veterans, first-time home buyers, and those with savings and good credit will find the platform particularly useful (although FHA loans are available with credit scores starting as low as 580).
The Eligibility.org marketplace offers four main lending pathways. In each case, you’ll just need to answer a few questions before being presented with a list of potential lenders based on your answers. You’ll want to direct your request based on which of the following four categories fits your situation:
As Eligibility.org is a marketplace and not a lender, the terms of your mortgage, including APR, down payments and repayment terms, are set by the mortgage provider.
This varies from provider to provider, but the good news is that with Eligibility.org’s pre-screening process, you can be sure that the application on the lender’s website has few or no surprises in store.
No support information is listed on Eligibility.org itself, although you can contact support on partner sites such as USDAloans.com and FHAloans.com. There is also information provided on each loan type, plus additional guides, articles and resources available.
Eligibility.org lives up to its name: the platform helps users find a variety of loans for which they’re eligible by filling out a short questionnaire. The service covers several lending pathways, including for veterans, first-time home buyers, rural and suburban home buyers, and conventional loans.
Generally, you’ll need to meet one or more of these conditions: 90 consecutive days of active duty served during wartime; 181 days of active duty during peacetime; 6 years of service in the National Guard or Reserves; or the spouse of a service member whose life was lost during activity duty or following a service-related injury or disability.
Only government-backed loans are assumable (i.e., they can be taken over by a buyer), which means that FHA loans are not.
This varies by type of loan and provider, but Eligibility.org can help you find lenders that accept credit scores as low as 620. This is the case, for example, for loans with the FHA’s 3.5% down-payment.
Yes, to both. First-time and repeat buyers may be eligible for a USDA loan. The simplest solution is to just use Eligibility.org’s questionnaire, and you’ll see for which loans you’re eligible.
Beach Mountain Media LLC
466 E 1500 N Orem, UT 84097
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