When you take out a government-backed home loan — which includes FHA, USDA and VA loans — the government isn’t loaning you money to buy a home. A lender still funds your mortgage.

You don't have to be wealthy to own a home Fact checked by Vikki Velasquez Homeownership has always been central to the idea of the American dream. Unfortunately, due to skyrocketing housing prices ...

Government-backed loans like FHA, VA, and USDA loans, often touted easier to get, actually have higher denial rates than conventional loans. Government loans do offer lower down payment and credit ...

Government-backed mortgages can be easier to qualify for compared to conventional loans. This can make them a good choice if you have a lower income, don’t have perfect credit or can’t afford ...

Conventional mortgages make up the majority of all home loans. They're issued by banks and other lenders, and often sold to government-backed entities like Fannie Mae and Freddie Mac. Even though ...

For many people, a Federal Housing Administration (FHA) loan is a ticket to homeownership. These government-backed home loans are available to many people who don’t qualify for a conventional ...

FHA home equity conversion mortgages (known as reverse mortgages) and FHA Title I loans (financing for permanent property improvements and renovations) are the exception — and won’t be ...

Limited staffing at HUD and USDA may cause delays in FHA, VA, and reverse mortgages, impacting home buyers and the broader housing market. As if loan originators needed something else to worry about, ...

In an effort to boost economic activity, the Fed and the Treasury announced new plans to boost consumer spending and aid the housing market. Economic analysts examine the Fed's expanding role in ...

When you take out a government-backed home loan — which includes FHA, USDA and VA loans — the government isn’t loaning you money to buy a home. A lender still funds your mortgage.

Government-backed mortgages can be easier to qualify for compared to conventional loans. This can make them a good choice if you have a lower income, don’t have perfect credit or ...

Government home loans are mortgages issued by private mortgage lenders and insured by the federal government. There are several government agencies that offer mortgage programs, including the ...