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Government Programs. You may be eligible for a loan insured through the Federal Housing Administration ("FHA") or guaranteed by the Department of Veterans Affairs or similar programs operated by cities or states. These programs usually require a smaller downpayment. Ask lenders about these programs. You can get more information about these programs from the agencies that run them. (See Appendix to this Booklet.)

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Table of Contents

Mortgage Brokers

Government Programs

CLOs. Computer loan origination systems

Types of Loans

Interest Rate, "Points" & Other Fees

Lender-Required Settlement Costs

Comparing Loan Costs

Lock-ins

Tax and Insurance Payments

Transfer of Your Loan

Mortgage Insurance

Flood Hazard Areas

Resources

Pardee Home Loans

Source: U.S. Department of Housing and Urban Development

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