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  2. First-Time Homebuyer’s Guide to Mortgage Loans, Programs and ...

    www.aol.com/finance/first-time-homebuyer-guide...

    The preceding loan programs are all backed by organizations, agencies and departments that operate at the federal level. But many states also have loan programs for first-time or low-income borrowers.

  3. Government National Mortgage Association - Wikipedia

    en.wikipedia.org/wiki/Government_National...

    FHA also was tasked with chartering and regulating a national mortgage association that would buy and sell FHA-insured mortgages. In 1938, Congress amended the act to create the Federal National Mortgage Association, more commonly known as "Fannie Mae", to help mortgage lenders gain further access to capital for mortgage loans.

  4. Federal takeover of Fannie Mae and Freddie Mac - Wikipedia

    en.wikipedia.org/wiki/Federal_takeover_of_Fannie...

    The bill, if it were passed, would modify the budgetary treatment of federal credit programs, such as Fannie Mae and Freddie Mac. [41] The bill would require that the cost of direct loans or loan guarantees be recognized in the federal budget on a fair-value basis using guidelines set forth by the Financial Accounting Standards Board. [41]

  5. Mortgage industry of the United States - Wikipedia

    en.wikipedia.org/wiki/Mortgage_industry_of_the...

    Mortgage loan financing relies more on secondary mortgage markets and less on formal government guarantees backed by covered bonds and deposits. [8] [9] Prepayment penalties are discouraged by underwriting requirements of large organizations such as Fannie Mae and Freddie Mac. [8] Mortgages loans are often nonrecourse debt, unlike most of the ...

  6. Guide to first-time homebuyer loans and programs - AOL

    www.aol.com/finance/guide-first-time-homebuyer...

    Government-backed mortgage loans. The Federal Housing Administration (FHA), Department of Veterans Affairs (VA) and Department of Agriculture (USDA) back mortgage programs that are often an option ...

  7. Flex Modification Program (FMP): Everything you need to know

    www.aol.com/finance/flex-modification-program...

    The Flex Modification program is a conventional loan modification program designed to help homeowners who are experiencing long-term or permanent financial hardship. Using this program can help ...

  8. Making Home Affordable - Wikipedia

    en.wikipedia.org/wiki/Making_Home_Affordable

    The Home Affordable Modification Program (HAMP) is a government program introduced in 2009 to respond to the subprime mortgage crisis.HAMP [10] is part of the Making Home Affordable program (MHA), [11] established in concert with the Hardest Hit Fund program (HHF) [12] under the Troubled Asset Relief Program (TARP), a part of the Emergency Economic Stabilization Act of 2008. [13]

  9. How to buy a house with low income - AOL

    www.aol.com/finance/buy-house-low-income...

    Another generous mortgage program is the USDA loan, which, like the VA loan, requires no money down. You don’t have to be a first-time buyer to get a USDA loan, either. You don’t have to be a ...

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