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2. 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 ...

3. From grants to low-interest loans, this state-by-state guide ...

   www.aol.com/grants-low-interest-loans-state...

   Three active programs are available offering forgivable loans, deferred loans, and zero-interest loans. A credit score of 640 or higher is required, with a debt-to-income ratio of 50% or lower.

4. 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 ...

5. Loan modification in the United States - Wikipedia

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

   Extending the length of the mortgage loan as appropriate; Reducing the mortgage loan interest rate in increments of 0.125 percent to an interest rate that is not less than 3 percent. If the new rate is set below the market interest rate, after five years it will step up in annual increments to either the original loan interest rate or the ...

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. Government-backed loan - Wikipedia

   en.wikipedia.org/wiki/Government-backed_loan

   Arguably, the most widely known type of government-backed loan is the US Federal Housing Administration FHA loan, in existence since 1934. Other types of government-backed loans include the following: American Dream Downpayment Initiative - ADDI; Good Neighbor Next Door; HOPE VI; Teacher Next Door Program; VA loan; State of New York Mortgage ...