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2. How to save for a home down payment when rates are falling - AOL

   www.aol.com/finance/save-home-down-payment-rates...

   You’ll need to meet the program’s qualifications, and you must typically finance the home with a 30-year, fixed-rate mortgage to receive down payment assistance.

3. Down payment assistance: How it works and how to get it - AOL

   www.aol.com/finance/mortgage-down-payment...

   Virtually every down payment program requires you to qualify for a 30-year, fixed-rate first mortgage to buy the home. Some programs can only be used with one type of mortgage, such as government ...

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

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

   Down payment assistance (DPA) programs: Loans, ... That said, many first-time buyers go with a 30-year, fixed-rate mortgage because the monthly payments are lower and more predictable. Two popular ...

5. Loan modification in the United States - Wikipedia

   en.wikipedia.org/wiki/Loan_modification_in_the...

   Loan modification is the systematic alteration of mortgage loan agreements that help those having problems making the payments by reducing interest rates, monthly payments or principal balances. Lending institutions could make one or more of these changes to relieve financial pressure on borrowers to prevent the condition of foreclosure.

6. Home Affordable Refinance Program - Wikipedia

   en.wikipedia.org/wiki/Home_Affordable_Refinance...

   The Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency in March 2009 to allow those with a loan-to-value ratio exceeding 80% to refinance without also paying for mortgage insurance. Originally, only those with an LTV of 105% could qualify.

7. American Dream Downpayment Assistance Act - Wikipedia

   en.wikipedia.org/wiki/American_Dream_Downpayment...

   On December 16, 2003, President George W. Bush signed into law the American Dream Downpayment Initiative (Pub. L. 108–186 (text)), which was aimed at helping approximately "40,000 families a year" with their down payment and closing costs, and further strengthen America’s housing market.