Best Loan Programs for Homebuyers in 2025 | FHA, USDA, VA & Conventional Explained!

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Best Loan Programs for Homebuyers in 2025 | FHA, USDA, VA & Conventional Explained!

Thinking of buying a home in 2025 but not sure which mortgage loan is right for you? ????

In this video, local real estate agent Ben Wheeler sits down with Al Nelson from Cross Country Mortgage to break down the top home loan options available today including FHA, USDA, VA, and Conventional loans.

We cover:
✔️ Minimum credit score & down payments
✔️ Debt-to-income (DTI) ratios
✔️ Who qualifies for no money down loans
✔️ The truth about mortgage insurance
✔️ Real tips for first-time homebuyers

???? Whether you're buying your first home, refinancing, or exploring zero down payment programs, this guide will help you choose the best mortgage option in 2025.

???? For more info, contact:

Ben Wheeler - Local Real Estate Agent
???? (715) 553-3490
???? ben@benwheelerhomes.com

Al Nelson /CrossCountry Mortgage
???? (612)240-7256

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???? @benwheelerrealtor

Keywords:
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Hashtags:
#HomeLoans2025 #MortgageTips #FHALoan #USDALoan #VALoan #RealEstateAdvice #FirstTimeHomeBuyer #MortgageExplained #HomeBuyingTips #BenWheelerRealtor

Timestamps:

00:00 – Intro: Meet Ben Wheeler & Al Nelson
00:19 – Types of Home Loan Programs
00:47 – What is a Conventional Loan?
01:07 – Credit Score Needed for Conventional
01:52 – Debt-to-Income (DTI) for Conventional Loans
02:19 – When to Use Government Loans Instead
02:26 – FHA Loan Requirements
03:10 – FHA Pros & Property Condition Rules
04:03 – USDA Loans: No Money Down!
04:39 – USDA Income Limits & Restrictions
05:48 – VA Loan: Zero Down for Veterans
06:22 – VA Loan Benefits (No PMI!)
07:29 – Getting Qualified & Fixing Your Credit
08:01 – Building Credit with No History
08:32 – Final Thoughts & How to Get Pre-Approved
09:02 – Like, Comment & Subscribe!