Home Loans. Refinance.  Mortgages.

Low Cost Housing Solutions

Homes for sale:

• HUD Homes for Sale (See Who can buy a HUD Home "...HUD Homes are sold "as-is," without warranty. That means that HUD will not pay to correct any problems. But even if a HUD Home needs fixing up - and not all of them do - it can be a real bargain!...")
• From the Department of Veterans Affairs
• From Veterans Administration
• From Federal Deposit Insurance Corporation
• From Fannie Mae
• From Realtor Net
• From GSA
• From IRS
• From Small Business Administration
• From US Army Corps of Engineers
• From Freddie Mac
• From Customs
• From the U.S. Marshals Service

U.S. Treasury Seized Real Estate Auctions

IRS Real Estate for Sale

ForeclosureWorld  Search for foreclosures in your area

HomeSteps  An online connection to Fannie Mae properties and Freddie Mac financing. 

Homes and Communities  HUD's comprehensive starting point for home buying covers just about every topic imaginable. A list of HUD properties by state.

SBA Property for Sale by State

How to Buy a Fannie Mae Foreclosed Property    Properties Search

FDIC Properties

How to Buy FDIC Owned Properties  The FDIC sells a wide variety of real estate, including properties in the affordable housing program. A list of properties available for sale is updated weekly

Special Sales Announcements: Real Estate Sales

National Asset Sales Calendar: Real Estate Sales

Properties with Environmental Conditions

FAQS

FDIC Bargain Properties "This is an invitation to make offers for the properties listed below.  The properties will be sold ON AN "AS-IS, WHERE-IS" BASIS AND WITH ALL FAULTS."
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Australian Loans

HomeStart was established by the South Australian Government in 1989, to help low to middle income South Australians achieve home ownership. This often means helping people with finance when they would find it hard to make their dream of owning their own home come true with a commercial lender.

Alternative Housing

The Nesting Bird Yurt Company 200 square foot domiciles beginning at $5600... and going up to about $11,500 for a 731 square foot enclosure. See Alternative Buildings for Changing Times

Kevin and Donna's Earthstar Primal Habitat Project  a working model for earth-friendly, alternative, simple living... with a small home costing less than $5,000.

How to Save Thousands of Dollars on Your Existing Mortgage AND Pay it Off Early

How to Save $50,000 to $60,000 on your EXISTING mortgage... and pay it off early.

Save $50,000 on Your Existing Mortgage  Free software download

Tips for Homebuyers

Establishing Good Credit  Some tips from Freddie Mac.  Click on "Getting a Running Start on Good Credit".  The single most important tip:  Start paying your bills on time.

How to Buy a Home with a Low Down Payment  This 1998 bulletin gives information about buying home with a 5% down payment.

Mortgages and Refinances

FirstStreet.com Loan 
2300 Main Street, Suite B
Irvine, CA 92614
800-557-5669 - phone
949-477-4896 - fax

First Street offers 100% Refinance Loan
If you haven't refinanced your home in the past 12 months there must have been a good reason. Now is the time to take advantage of a unique opportunity. Past credit problems, even bankruptcy or foreclosure…no problem! Get the money you need up to 100% of the value of your home.

Refinance Loan Features

• Loans up to 100% of the value of your home
• Loan amounts up to $500,000
• No mortgage insurance
• No reserves required
• Debt ratios up to 60%

Charter One Credit offers:

* Home equity loans
* Purchase
* Refinance
* No application fees
* Debt consolidation
* Home improvement
* Bad credit financing
* Limited equity
* Good credit financing
* Prior bankruptcy
* Low interest rates
* Lower payments
* Second mortgages
* Credit card consolidation

Full Spectrum Lending  "To us, your future outweighs your past"

Mortgage Funding Corp. has greater flexibility in approving people for the loans they need. We have approved loans for people with a variety of financial or credit problems including poor credit, late payments, collections, judgments and bankruptcies.  New England area

Emerald Mortgage

Second Change Mortgage

Mortgage and Loan  125% Loan No income verification Bad credit okay

Home Finance of America's Specialty Lending Division "is here to serve your special borrowing needs. We have developed loan programs for people with less than perfect credit, good credit, just plain bad credit or even no credit at all! With loans for residential, mixed use and commercial properties we can help you...."

Affordable Mortgages

Freddie Mac  " Putting home ownership and quality rental housing within reach for families in America is what Freddie Mac does each day. One of the principal ways that Freddie Mac does this is by helping lenders reach their customers with a diversity of mortgage products that make housing affordable and accessible."  Here is a list of Affordable Mortgage Products   

iown.com

getsmart.com

VA Home Loan Guaranty Services  "...To help veterans and active duty personnel purchase and retain homes in recognition of their service to the Nation....A basic funding fee of 2.0 percent must be paid to VA by all but certain exempt veterans. A down payment of 5 percent or more will reduce the fee to 1.5 percent and a 10 percent down payment will reduce it to 1.25 percent.

"A funding fee of 2.75 percent must be paid by all eligible Reserve/ National Guard individuals. A down payment of 5 percent or more will reduce the fee to 2.25 percent and a 10 percent down payment will reduce it to 2.0 percent...."  A variety of online pamphlets provides more detailed information

LocateRates.com  Lenders compete for lowest mortgage rates

BestRateLoans.com

NoClosingCosts.net

FDIC Tips on Choosing the Best Mortgage

No Money Down Mortgages

Wells Fargo pays up to 103% of purchase price (to help cover closing costs)

FiNet.com

Veteran's "Cash Back" mortgages

Big Loan Site No Equity Loans

5% Down Mortgages

Full Spectrum Lending  
"...Seller Contributions — Negotiate with your seller. At Full Spectrum Lending, a seller may contribute up to 6% of the home purchase price in non- recurring closing fees. And, we'll even allow your seller to contribute more in the form of a reduced sales price. 
Gift Funds — Receive a gift from a family member and you may put it toward your down payment. One of our programs even allows gifts — up to 20% of the purchase price — in place of your own savings; we loan you the rest. 
Seller and Institutional Lender Second Mortgage Loans — Obtain secondary financing and we'll loan you the first mortgage, up to 80% of the sales price. And depending on your credit history and second mortgage lender, we'll even allow you to finance 100% of your home's appraised value...."

No Income Verification Mortgages

Mortgage and Loan  125% Loan No income verification Bad credit okay

AAA Mortgage Finder 

Mortgage Investment Group  North Carolina  No income verification loans up to 100%

Superior Bank  "At Superior Bank, 'no verification' doesn't mean 'no loan...

Unlike many conventional lenders, Superior Bank won't turn you down for a mortgage just because you can't verify your self-employment or commissioned income.   In stead, we look closer at your individual financial situation and offer a mortgage refinancing solution designed specifically for self-employment or commissioned income individuals.

Receive up to 85% loan value with Superior Bank's No Income Verification Mortgage Refinancing.

The Truth Behind Those FREE and Low Cost Land Ads

Warning to Would Be "Homesteaders"  At one time you could get free and low cost land from the U.S. Government.  No more.  Beware of any ads purporting to offer you information on such. They are very likely scams.  Read the Bureau of Land Management's FAQ's for further information.  Further Note: The idea of BUYING a low cost piece of land and using it as collateral for building your own home isn't a bad idea!

Also see Government Property Sales & Auctions