Eligibility.org Review

ByChristian RiggAug.26, 2021
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In a Nutshell

Eligibility.org helps home buyers and owners find lenders for purchase and refinancing. You can use any one of the company’s four eligibility questionnaires to find a list of lenders for your personal situation. Borrowers seeking a VA loan, FHA loan, USDA loan or a conventional loan can all use Eligibility.org to find a home loan.


  • Four lending pathways (e.g., VA, USDA, etc.)
  • Quickly check eligibility for a variety of loans


  • No support contact information
  • FHA and USDA link off-site

Eligibility.org at a Glance

Direct lender or marketplace?Marketplace
Loan typesVA, USDA, FHA, Conventional
Loan amount$100k +
Repayment termsVaries by lender
Minimum down paymentVaries by lender
Minimum credit score620+
Suitable forQuickly checking your eligibility with lenders for purchase and refinance

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Eligibility.org does just that: it helps you check your eligibility for popular mortgage programs, both for purchase and refinance. The platform lets you quickly connect with a variety of lenders by answering a short questionnaire. Borrowers can find an array of low or no down payment loans, while those looking to refinance can benefit from a list of personalized lending options.

Suitable For?

The platform is particularly well-suited to individuals looking to quickly filter loan offers based on their current situation. Veterans, first-time home buyers, and those with savings and good credit will find the platform particularly useful (although FHA loans are available with credit scores starting as low as 580). 

Types of Loans/Products

The Eligibility.org marketplace offers four main lending pathways. In each case, you’ll just need to answer a few questions before being presented with a list of potential lenders based on your answers. You’ll want to direct your request based on which of the following four categories fits your situation:

  • VA Home Loans. VA loans are guaranteed by the US Department of Veterans Affairs (VA), and thus specifically aimed at veterans and active-duty service members. There are numerous benefits, including the absence of down payment or mortgage insurance requirements, and broader qualifications standards. For this pathway, Eligibility.org has selected top VA lenders and enables you to verify your eligibility directly on the platform—a nice time-saver.
  • FHA Home Loans. FHA loans are guaranteed by the Federal Housing Administration, and provide the flexibility that lenders need to offer particularly advantageous terms for first-time homebuyers. With Eligibility.org, you can look forward to low down payments (3.5%+), relatively low interest rates, and even qualify with a credit score as low as 620. You’ll be redirected to the company’s partner site, FHAloans.com
  • USDA Home Loans. Guaranteed by the government, USDA home loans are well-suited to homebuyers in rural and suburban areas. If you’re looking to buy a home outside of the city, this is the place to start. Eligibility.org will help you find lenders with no down-payment requirements, good interest rates, and flexible credit score limits. You’ll be redirected to the company’s partner site, USDAloans.com
  • Conventional loans. A catch-all term for financing options with no government guarantees. Eligibility.org will help you find Fannie Mae and Freddie Mac loans with low down payments (5%) and particularly good rates for those with superior credit scores. 

As Eligibility.org is a marketplace and not a lender, the terms of your mortgage, including APR, down payments and repayment terms, are set by the mortgage provider. 

The Application Process

This varies from provider to provider, but the good news is that with Eligibility.org’s pre-screening process, you can be sure that the application on the lender’s website has few or no surprises in store.

Help & Support

No support information is listed on Eligibility.org itself, although you can contact support on partner sites such as USDAloans.com and FHAloans.com. There is also information provided on each loan type, plus additional guides, articles and resources available. 


Eligibility.org lives up to its name: the platform helps users find a variety of loans for which they’re eligible by filling out a short questionnaire. The service covers several lending pathways, including for veterans, first-time home buyers, rural and suburban home buyers, and conventional loans. 


Who is eligible for a VA loan?

Generally, you’ll need to meet one or more of these conditions: 90 consecutive days of active duty served during wartime; 181 days of active duty during peacetime; 6 years of service in the National Guard or Reserves; or the spouse of a service member whose life was lost during activity duty or following a service-related injury or disability. 

Are FHA loans assumable?

Only government-backed loans are assumable (i.e., they can be taken over by a buyer), which means that FHA loans are not.

What is the minimum credit score I need to get a loan? 

This varies by type of loan and provider, but Eligibility.org can help you find lenders that accept credit scores as low as 620. This is the case, for example, for loans with the FHA’s 3.5% down-payment.

Can first-time home buyers benefit from a USDA loan? Repeat buyers?

Yes, to both. First-time and repeat buyers may be eligible for a USDA loan. The simplest solution is to just use Eligibility.org’s questionnaire, and you’ll see for which loans you’re eligible. 

Physical Address 

Beach Mountain Media LLC

466 E 1500 N Orem, UT 84097

United States

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Industry: FS
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