Zapata Capital LLC

Call 832-605-6691

Comparison of FHA Loans, Conventional Loans, and Down Payment Assistance Programs:

Feature | FHA Loan | Conventional Loan | Down Payment Assistance

Minimum Credit Score

FHA: 580 (3.5% down payment)
Conventional: 620 or higher
Assistance: Varies by program
Minimum Down Payment

FHA: 3.5%
Conventional: 3% (with special programs)
Assistance: Can be covered by assistance
Mortgage Insurance

FHA: MIP for the life of the loan
Conventional: PMI (removable at 20% equity)
Assistance: Depends on the underlying loan type
Interest Rates

FHA: Generally competitive
Conventional: Lower for borrowers with good credit
Assistance: Varies; some programs may have higher rates
Loan Term

FHA: 15 or 30 years
Conventional: 15, 20, or 30 years
Assistance: Depends on the chosen mortgage
Financial Assistance

FHA: No
Conventional: No
Assistance: Yes, in the form of grants or loans
Qualification Flexibility

FHA: High (especially for first-time buyers)
Conventional: Lower (stricter requirements)
Assistance: High for eligible borrowers

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Are you ready to take control of your mortgage and lower your monthly payments? At Zapata Capital, we specialize in helping homeowners like you save money through FHA and VA streamline refinance options.

Whether you have an FHA or VA loan, now is the perfect time to explore refinancing! With interest rates still favorable, you could potentially:

Lower your monthly mortgage payment
Skip an appraisal and simplify the process
Reduce your loan term and pay off your home faster
Take advantage of minimal paperwork and fast approvals
At Zapata Capital, we pride ourselves on making the refinancing process smooth, transparent, and tailored to your needs. I would love the opportunity to help you lock in a better rate and keep more money in your pocket each month.

Curious about how much you could save? Let’s schedule a quick call 832-605-6691 to discuss your options and see how an FHA or VA streamline refinance could benefit you.

Click below to get started or reply to this email to book a time that works for you!
https://zapatacapital.floify.com/apply

Looking forward to helping you achieve your financial goals!

Best regards,
Will Zapata
Mortgage Broker | Zapata Capital #1944903

zapatacapital.floify.com

Michael and Stephanie just purchased their first home! Click here to find out where first-time home buyers go to get their mortgage!