FHA, VA & USDA Home Loans

Flexible Solutions for first time buyers, veterans and rural homeowners

At Sail Mortgage, we’re committed to making homeownership accessible. That’s why we offer FHA, VA, and USDA loans-government-backed programs designed to help qualified buyers purchase a home with low or no down payment, competitive rates, and flexible credit options.

Happy family of five sitting in the yard in front of their house.

FHA Loans

Low Down Payment. Government-Backed. Buyer-Friendly.

FHA loans are mortgages insured by the Federal Housing Administration. They are designed to help buyers purchase a home with more affordable terms.

Key Features:

If saving for a large down payment feels out of reach, an FHA loan could be your path to homeownership.

VA Loans

No Down Payment. No Private Mortgage Insurance. Just Gratitude.

Available to U.S. veterans, active-duty service members, and eligible surviving spouses, VA loans are backed by the Department of Veterans Affairs. They provide significant benefits to those who’ve served our country.

Key Features:

Thank you for your service – now let us serve you. Our VA loan specialists will guide you every step of the way.

USDA Loans

Affordable Financing for Rural and Suburban Buyers

USDA loans are backed by the U.S. Department of Agriculture and designed to help buyers in eligible rural and suburban areas purchase at home. Income limitations do apply.

Benefits of a USDA Loan:

Eligibility Note:

USDA loans have specific location and income requirements. Both the property and the buyer must meet USDA guidelines. We can help you determine if you’re eligible.

Why Choose Sail Mortgage?

With offices in Seven Fields and Pittsburgh, PA, Sail Mortgage proudly serves communities throughout Western Pennsylvania, including Wexford, Allison Park, McKees Rocks, Fox Chapel, Oakmont, Mars, and beyond. Our experienced consultants will match you with the loan program that best fits your needs and walk you through every step with personalized care.

Ready to get started or want to learn more?

Contact us today for a free consultation with one of our government loan specialists.