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Loan Programs

Government-Backed

FHA and VA loans for purchase or refinance, including FHA streamline refinances.

FHA and VA programs open doors that conventional financing sometimes can't: lower down payment options, more flexible qualifying, and for eligible veterans and service members, no down payment at all with a VA loan. Centric's AI-driven pre-qualification gives you a real read on where you stand before you apply, and a licensed loan officer carries that through to closing.

Who it's for

Built for those who serve and those starting out.

Veterans & service members

VA loan eligibility for those who've served, often with no down payment required.

Lower-down-payment buyers

FHA financing with more flexible qualifying than conventional loans.

Existing FHA homeowners

Streamline refinance options for homeowners who already have an FHA loan.

What's included

What this program covers.

  • FHA purchase loans
  • FHA streamline refinance
  • VA purchase loans
  • VA refinance, including cash-out

Powered by Centric AI

Know what you qualify for before you apply.

Check a home to get a real payment estimate and approval odds in under a minute, then talk to a loan officer about next steps.