In this section, you will find lots of free articles on financing. This information will help you regardless of whether you're a first-time homebuyer or refinancing your existing home.

Financing

• How to Buy a Home with a Low Down Payment - A consumer’s guide to owning a home with less than three percent down. (12 pages - pdf)
• What You Need To Know Before Applying for Financing
• Using Ads to Shop for Home Financing
• Adjustable Rate Mortgages
• How To Expedite the Loan Process
• Guide to Mortgage Lock-ins
  • Introduction?
    
  • What Is a Lock-In?
    
  • Will Your Lock-In Be in Writing? - Will You Be Charged for a Lock-In?
    
  • What Options Are Available for Setting the Mortgage Terms?
    
  • How Long Are Lock-Ins Valid? - What Happens if the Lock-In Period Expires?
    
  • How Can You Speed Up the Approval of the Loan?
    
  • Ask About Lock-Ins - Lock-Ins and Fees - Loan Processing Time - Expiration of Lock-Ins
    
  • Complaints About Lock-Ins
    
  • State Agencies - Federal Agencies
  
  
• The Guide to Single Family Home Mortgage Insurance - Many people in the United States dream of owning their own homes, but few are able to pay cash for them. Many individuals and families who could not otherwise afford to own a home become homeowners with the help of the Federal Housing Administration (FHA) mortgage insurance programs. (7 pages - pdf)
• HUD’s Energy Efficient Mortgages Program - As a new homebuyer or current homeowner, you may be able to use an Energy Efficient Mortgage (EEM) to finance the cost of energy efficient improvements.(2 pages - pdf)
• What Happens When Your Mortgage Gets Sold
• Putting Your Home on the Loan Line Can Be Risky Business - If you are a homeowner who needs money to pay bills or for home repairs, you may think a home equity loan is the answer. But not all loans and lenders are the same. (2 pages- pdf)
• Reverse Mortgages - The Home Equity Conversion Mortgage at a Glance. A Federally Insured Reverse Mortgage Loan(2 pages - pdf)