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A mortgage represents a loan to buy a home. Fixed-rate and adjustable-rate mortgages are the two main types of mortgages, but there is a wide variety of mortgage products available. Sources for mortgage loans include mortgage banks, mortgage brokers, banks, thrift and credit unions, home builders, real estate agencies, and Internet lenders.

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The goal of Down Payment Assistance Programs (DAP) is to make it easier for eligible homebuyers applicants to buy a home by providing assistance with down payment, closing costs. and, when required, rehabilitation costs.. This guide is divided in 3 section to help you learn more and get the momey needed for your house down payment.. 1- Common Questions 2- Federal Programs