GOVERNMENT LOANS

There are federal and state programs available to help you with resources to get government money for buying a home, rent and mortgage assistance, and home repair and improvement.

These links will get you started:

Basic FHA Insured Home Mortgage– This program can help individuals buy a single family home. While U.S. Housing and Urban Development (HUD) does not lend money directly to buyers to purchase a home, Federal Housing Administration (FHA) approved lenders make loans through a number of FHA-insurance programs
Combination Mortgage Insurance for Manufactured Home and Lots– Federal Housing Administration (FHA) insures mortgage loans made by FHA-approved lenders to buyers of manufactured homes and the lots on which to place them.
Direct Home Loans for Native Americans– The Native American Direct Loan (NADL) program makes home loans available to eligible Native American Veterans who wish to purchase, construct, or improve a home on Federal Trust land or to reduce the interest rate. Veterans who are not Native American, but who are married to a Native American non-Veteran, may be eligible for a direct loan under this program.
Energy Efficient Mortgage Insurance– This program helps homebuyers or homeowners save money on utility bills by helping them get loans to cover the cost of adding energy-saving features to new or existing housing as part of a Federal Housing Administration-insured home purchase or refinancing mortgage.
The Federal Housing Administration’s (FHA)Energy Efficient Mortgage (EEM) -This program recognizes that lower utility costs can help a homeowner pay a higher mortgage to cover the cost of energy improvements. Under the program, persons may add the cost of energy-efficient improvements to their loan amount.