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.


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