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Turn Your American Dream into a Reality with a VA or FHA Loan

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VA-Backed Mortgages for Those Who Have Served Our Country

Whether you were enlisted during wartime or peacetime; served on foreign soil or in the U.S.A, you gave an oath to keep our Country safe regardless of the personal cost. That's why we consider it an honor to ensure you get the most out of your hard-earned VA loan benefits.

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Helping Military and Civilians Choose the Right Home Loan Since 1996

The experienced mortgage professionals at iFreedom Direct make the FHA home loan process easy! Our company has helped over 70,000 folks use this federally backed loan program to purchase or refinance the home of their dreams.

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  • Get started Get started Choose a loan that's right for you.
  • VA home loan VA home loan Claim your earned benefit.
  • FHA home loan FHA home loan Specializing in FHA loans since 1996.

Direct Service. Direct Results.

A leader in government-backed lending since 1996, iFreedom Direct understands the ins and outs of the VA and FHA loan programs. Whether you're interested in purchasing or refinancing, our experienced, in-house loan professionals will guide you through every step of the mortgage process.
  • Founded
    1996
  • Funded Over
    $21 Billion
  • Loans Closed
    100,000 +
  • Direct Lender
    VA & FHA

Quick Guide to VA & FHA Loans

  • VA Loan

  • FHA Loan

  • VA vs FHA Loan

  • Testimonials

  • Loan FAQs

VA Loan An Earned Benefit

Military members, veterans, eligible surviving spouses and certain other members of federal service organizations may be able to take advantage of the VA home loan benefits they've earned through dedicated service. VA loans may be used to buy, build, improve or refinance homes that meet VA approval. The VA Guaranty helps secure the loan so lenders can provide competitive terms.

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FHA Loan Helping People Become Homeowners

The Federal Housing Administration (FHA), a division of the Department of Housing and Urban Development (HUD), developed the FHA loan program in the 1930s as a way to lower the barrier to homeownership. The U.S. government insures FHA mortgage loans, allowing private lenders to provide consumers with more favorable loan terms.

If you are seeking to buy a home and have limited funds for a down payment, the FHA loan program may be the right choice for you. While it is necessary to meet the guidelines set forth by the FHA program to obtain this type of loan, there are many potential cost-saving advantages over a conventional loan.

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VA Loan vs FHA Loan Which Home Loan is Right for You?

Many homebuyers want to know about the differences between the VA and FHA mortgage programs. Though there are some similarities, there are also very distinct differences.

VA Home Loan benefits are only for eligible veterans, active duty personnel, specific government employees and certain surviving spouses. FHA mortgages are for qualified borrowers, including those who wish to put a minimal amount of money down and are willing to pay mortgage insurance premiums. Often, first-time homebuyers use the program, but this is not a prerequisite.

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“I was very pleased with iFreedom Direct and I would recommend them highly to any Veteran considering getting a VA loan.”

Marcia, Veteran U.S. Air Force

“I want to do a ‘shout out’ to my loan officer! After going through the loan process, I am finally a homeowner! We are soooo grateful that companies like iFreedom Direct are looking out for us Veterans!”

Robert Garcia, Petty Officer 1st Class U.S. Navy (Ret.)

“My loan officer was looking out for me as a widow of a veteran, and that's above and beyond what most loan officers would do... I have to say I've never felt so good about the process of getting a loan ever in my life.”

Kay P. Surviving Spouse of Vietnam Veteran

Mortgage Loan FAQs Questions? We've got the answers.

Q: Isn't it difficult to qualify now?

A: In fact, it can be easier to qualify for federally backed loans compared to conventional loans. Income and credit qualifying is straightforward due to clear government guidelines.

Q: Am I eligible for a government-backed mortgage?

A: Many are eligible for federally backed mortgage programs guaranteed or insured by the VA and FHA. VA loans are for veterans, active duty military personnel and surviving spouses who qualify, and FHA loans are for qualified borrowers, such as those who might want a lower down payment and are willing pay for mortgage insurance premiums.

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