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: Available to veterans, active-duty service members, and eligible spouses through the Department of Veterans Affairs , these offer down with no private mortgage insurance (PMI) required. FHA Loans : While they typically require
down payments, while lets lenders approve you based on bill payment history instead of a FICO score. 1. Zero-Down Government Loan Programs
down, FHA loans are highly flexible for those with low or "thin" credit files.
