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Use the listing below to search for specific information, compare options, or take a short questionnaire to determine your eligibility for each program.

General

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Program Name
Program Description
Business and Industrial Loans
The purpose of the Business & Industrial (B&I) Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities. This purpose is achieved by ... view more
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 Authority insured home purchase or refinancin... view more
FHA PowerSaver Home Energy Retrofit Loan Pilot Program
A new pilot program was implemented in fiscal year 2011, which offers borrowers low-cost loans to make energy-saving improvements to their homes. Backed by the Federal Housing Administration (FHA), these new FHA PowerSaver loans offer homeowners up t... view more
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Agriculture

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Program Name
Program Description
Agricultural Management Assistance (AMA) Program
Agricultural Management Assistance (AMA) is a voluntary program that provides financial assistance and technical assistance to agricultural producers on private lands to construct or improve water management structures or irrigation structures; to pl... view more
Commodity Marketing Assistance Loans and Loan Deficiency Payments
This program provides loans to assist farmers in marketing their commodity crops and, as a result, improve and stabilize farm income.... view more
Farm Operating Loans (Direct and Guaranteed)
The Farm Service Agency (FSA) offers farm operating loans to farmers who are temporarily unable to obtain private, commercial credit. Operating loans may be used to purchase items needed for a successful farm operation. These items include livestock,... view more
Farm Ownership Loans (Direct and Guaranteed)
The Farm Service Agency (FSA) makes farm ownership (FO) loans to farmers and ranchers who temporarily cannot obtain a loan from a bank, Farm Credit System institution, or other lender due to disaster and financial hardship. FSA also makes loans to be... view more
Farm Storage Facility Loans
Farm Storage Facility Loans (FSFL) are provided to encourage the construction of on-farm storage and handling facilities for eligible commodities. Eligible commodities include: corn, grain sorghum, oats, wheat, barley, rice, soybeans, peanuts, minor ... view more
Fisheries Finance Program
The Fisheries Finance Program (FFP) is a direct government loan program that receives an annual loan authority from Congress to provide long-term loans to the aquaculture, mariculture, and commercial fisheries industries. The program will finance up ... view more
Rural Housing: Farm Labor Housing Loans and Grants
The Farm Labor Housing Loan and Grant program provides capital financing for the development of housing for domestic farm laborers. Farm Labor Housing loans and grants are provided to buy, build, improve, or repair housing for farm laborers, includin... view more
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Business

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Program Name
Program Description
7(a) Small Business Loan
7(a) loans are the most basic and most used type loan of SBA's business loan programs. Its name comes from section 7(a) of the Small Business Act, which authorizes the Agency to provide business loans to American small businesses. The loan progr... view more
Business and Industrial Loans
The purpose of the Business & Industrial (B&I) Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities. This purpose is achieved by ... view more
Business Physical Disaster Loans
The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to private, non-profit organizations and businesses of all sizes located in a declared disaster area. Financial assistanc... view more
Certified Development Company (504) Loan Program
The CDC/504 loan program is a long-term financing tool for economic development within a community. The 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. Generally, A priv... view more
Economic Injury Disaster Loans
The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to small businesses and private, non-profit organizations of all sizes located in a declared disaster area. Financial ass... view more
Equity Investment - Small Business Investment Company (SBIC) Program
The Small Business Investment Company (SBIC) program, part of the U.S. Small Business Administration (SBA), was created in 1958 to fill the gap between the availability of venture capital and the needs of small businesses in start-up and growth situa... view more
Indian Loan Guaranty, Insurance, and Interest Subsidy Program
The purpose of the program is to assist in obtaining financing from private sources to promote business development initiatives that contribute to the economy of the reservation or service area.... view more
Microloan Program
The MicroLoan Program provides very small loans to start-up, newly established, or growing small business concerns. Under this program, SBA makes funds available to nonprofit community based lenders (Microlender Intermediaries) which, in turn, make l... view more
Military Reservist Economic Injury Disaster Loan Program

The purpose of the Military Reservist Economic Injury Disaster Loan program (MREIDL) is to provide funds to eligible small businesses to meet its ordinary and necessary operating expenses that it could have met, but is unable to meet, because an e... view more

Short Term Lending Program
To help small businesses gain access to the financing they need to participate in transportation-related contracts, the Office of Small and Disadvantaged Businesses Utilization (OSDBU) Financial Assistance Division manages the Short-Term Lending Prog... view more
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Disaster Relief

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Program Name
Program Description
Business Physical Disaster Loans
The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to private, non-profit organizations and businesses of all sizes located in a declared disaster area. Financial assistanc... view more
Economic Injury Disaster Loans
The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to small businesses and private, non-profit organizations of all sizes located in a declared disaster area. Financial ass... view more
Emergency Farm Loans
The emergency loan program aims to help family farmers recover from losses resulting from natural disasters. These loans can be used to:
  • Repair or replace buildings or other structures
  • Purchase livestock and equipment
    • ... view more
Home and Property Disaster Loans
The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to homeowners and renters located in a declared disaster area. Financial assistance is available in the form of low-inter... view more
Military Reservist Economic Injury Disaster Loan Program

The purpose of the Military Reservist Economic Injury Disaster Loan program (MREIDL) is to provide funds to eligible small businesses to meet its ordinary and necessary operating expenses that it could have met, but is unable to meet, because an e... view more

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Education

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Program Name
Program Description
AIDS Research Loan Repayment Program
The AIDS Research Loan Repayment Program helps to assure an adequate supply of trained researchers with respect to AIDS at the National Institutes of Health by providing for the repayment of educational loans for participants who contractually agree ... view more
Clinical Research Loan Repayment Program
In exchange for a two-year commitment to your clinical research career, NIH will repay up to $35,000 per year of your qualified educational debt, pay an additional 39% of the repayments to cover your Fe... view more
Clinical Research Loan Repayment Program for Individuals from Disadvantaged Backgrounds
The program supports the National Institutes of Health (NIH) Intramural Research Program in recruiting and retaining health professionals from disadvantaged backgrounds to conduct clinical research at t... view more
Contraception and Infertility Research Loan Repayment Program
The Contraception and Infertility Research Loan Repayment Program (CIR-LRP) is designed to provide an incentive for health professionals to work in areas of reproductive research directly related to con... view more
Education Consolidation Loans
Consolidation Loans are available to most borrowers of Federal education loans and come from one of two sources:
  • Direct Consolidation Loans are made by the U.S. Department of Education. You repay a Federal Consolidation Loan to the U.S.... view more
Extramural Clinical Research Loan Repayment Program for Individuals from Disadvantaged Backgrounds
The ECR-LRP is a congressionally mandated loan repayment program that was established by the Secretary for the Department of Health and Human Services through the Director of NIH. The objective of the E... view more
Federal Perkins Loan Program
Federal Perkins Loans help financially needy undergraduate and graduate students meet the cost of postsecondary education. The award is made by the school based on the availability of funds. A Federal Perkins Loan carries a fixed interest rate and mu... view more
Free Application for Federal Student Aid (FAFSA)
The Free Application for Federal Student Aid (FAFSA) is an application used by virtually all two and four-year colleges, universities, and career schools for awarding Federal, state, and college-funded student aid.... view more
General Research Loan Repayment Program
The General Research Loan Repayment Program recruits and retains health professionals performing research in fields required by the National Institutes of Health (NIH) to carry out its mission by provid... view more
Health Disparities Research Loan Repayment Program
The HDR-LRP is the congressionally mandated extramural loan repayment program for minority health disparities research. The objective of the HDR-LRP is the recruitment and retention of highly qualified ... view more
Indian Health Service Loan Repayment Program
The Indian Health Service Loan Repayment Program provides repayment of student loans to health and allied health professions in order to assure an adequate supply of trained health professionals necessa... view more
Nursing Education Loan Repayment Program
To assist in the recruitment and retention of professional nurses dedicated to providing health care to underserved populations, the Nursing Education Loan Repayment Program offers registered nurses sub... view more
Pediatric Research Loan Repayment Program
In exchange for a two-year commitment to your research career, NIH will repay up to $35,000 per year of your qualified repayable educational debt, pay an additional 39% of the repayments to cover your F... view more
PLUS Parent Loans
PLUS Loans come from one of two sources:
  • Direct PLUS Loans are made by the U.S. Department of Education. You repay a Direct PLUS Loan to the U.S. Department of Education.
  • Federal PLUS Loans are made through Federal Fam... view more
Stafford Loans for Students
Direct Stafford Loans, from the William D. Ford Federal Direct Loan (Direct Loan) Program, are low-interest loans for eligible students to help cover the cost of higher education at a four-year college or university, community college, or trade, care... view more
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Housing

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Program Name
Program Description
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... view more
Combination Mortgage Insurance for Manufactured Home and Lot
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.... view more
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 Authority insured home purchase or refinancin... view more
FHA PowerSaver Home Energy Retrofit Loan Pilot Program
A new pilot program was implemented in fiscal year 2011, which offers borrowers low-cost loans to make energy-saving improvements to their homes. Backed by the Federal Housing Administration (FHA), these new FHA PowerSaver loans offer homeowners up t... view more
Home and Property Disaster Loans
The U.S. Small Business Administration (SBA) is responsible for providing affordable, timely and accessible financial assistance to homeowners and renters located in a declared disaster area. Financial assistance is available in the form of low-inter... view more
Home Mortgage Insurance for Disaster Victims
Through Section 203(h), the Federal Government helps survivors in presidentially-designated disaster areas recover by making it easier for them to get mortgages and become homeowners or re-establish themselves as homeowners.... view more
Home Rehabilitation Mortgage Insurance
Section 203(k) insurance enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.... view more
Indian Home Loan Guarantee Program
This grant provides and operates cost-effective, decent, safe and affordable dwellings for lower income families through an authorized local Public Housing Agency (PHA).... view more
Indian Home Loan Guarantee Program (Section 184)
This program provides home ownership opportunities to Native Americans, Tribes, Tribally Designated Housing Entities (TDHEs), and Indian Housing Authorities on Indian land, through a guaranteed mortgage loan program available through private financia... view more
Manufactured Home Loan Insurance
Federal Housing Administration (FHA) insures mortgage loans made by private lending institutions to finance the purchase of a new or used manufactured home.... view more
Property Improvement Loan Insurance
The Federal Housing Administration (FHA) makes it easier for consumers to obtain affordable home improvement loans by insuring loans made by private lenders to improve properties that meet certain requirements. Lending institutions make loans from th... view more
Rural Housing Loans
Direct and guaranteed loans may be used to buy, build, or improve the applicant's permanent residence. New manufactured homes may be financed when they are on a permanent site, purchased from an approved dealer or contractor, and meet certain other r... view more
Rural Housing: Farm Labor Housing Loans and Grants
The Farm Labor Housing Loan and Grant program provides capital financing for the development of housing for domestic farm laborers. Farm Labor Housing loans and grants are provided to buy, build, improve, or repair housing for farm laborers, includin... view more
Rural Housing: Housing Repair Loans and Grants
The Rural Housing Repair Loans and Grants program provides loans and grants to very low-income homeowners to repair, improve, modernize, or to remove health and safety hazards in their rural dwellings. Loans are arranged for up to 20 years at 1 perce... view more
VA - Home Loans - Interest Rate Reduction Refinancing Loan
VA loan guarantees are made to service members, veterans, reservists and certain qualifying unmarried surviving spouses for the refinancing of a VA home loan.... view more
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Veteran

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Program Name
Program Description
National Health Service Corps Loan Repayment Program
The National Health Service Corps Loan Repayment Program recruits health professionals to work in selected health professional shortage areas and, in return, helps repay their qualifying educational loa... view more
VA - Home Loan - Construction
VA guarantees a percentage of the loan. This helps the veteran obtain a no-down payment mortgage at a competitive interest rate.... view more
VA - Home Loans - Cash Out Refinance (Regular Refinance)
With this program, you can refinance your current loan, whether it's a VA-guaranteed mortgage or not.

Usually, the new loan is limited to 90% of the appraised value of the house. There are a few exceptions.... view more
VA - Home Loans - Interest Rate Reduction Refinancing Loan
VA loan guarantees are made to service members, veterans, reservists and certain qualifying unmarried surviving spouses for the refinancing of a VA home loan.... view more
VA - Home Loans - Native American Direct Loan (NADL) Program
The Native American Direct Loan Program makes home loans available to eligible Native American veterans who wish to purchase, construct, or improve a home on Federal trust land.

The home must be your primary residence.

(It's als... view more
VA - Home Loans - Regular Purchase
VA loan guarantees are made for the purchase of homes, condominiums and manufactured homes (when they're classified as real estate).

VA guarantees a percentage of the loan. This helps the veteran obtain a no-down payment mortgage at a competit... view more

VA - Life Insurance - Veterans Life Insurance Policy Loans
Policyholders who have permanent plans of insurance under one of the programs listed below may borrow up to 94 percent of the cash value of the policy after it has been in force for one year.

United States Government Life Insurance (USG... view more
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