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GovLoans.gov cannot guarantee your eligibility for any benefit program.
Use the listing below to search for specific information, compare options, or take a short questionnaire to determine your eligibility for each program.
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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...
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....
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 Na...
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 refin...
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...
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...
Home Loan Interest Rate Reduction Refinancing
The Veterans Affairs (VA) loan guarantees are made to service members, Veterans, reservists and certain qualifying unmarried surviving spouses for the refinancing of a VA home loan....
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....
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....
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)....
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...
Interest Rate Reduction Refinance Loan (IRRRL)
A Veterans Administration (VA) interest rate reduction refinance loan (IRRRL) can be used to refinance an existing VA loan or a conventional loan into a VA-guaranteed loan and lower the interest rate and payment.
IRRRLs do not require cred...
For Veterans or Servicemembers who have a conventional or sub-prime loan, the Department of Veterans Affairs (VA) has a network of eight Regional Loan Centers that can offer advice and guidance during times of financial hardship.
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....
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...
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...
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...
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...
VA-Guaranteed Home Loan Program
The Department of Veterans Affairs (VA) home loan guaranties are issued to help eligible Servicemembers, Veterans, Reservists, National Guard and certain surviving spouses obtain, retain and adapt a home and to refinance their loan....
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