There are many special programs the government has sponsored to help consumers experience home ownership.

FHA loan programs allow a 3% down payment as opposed to the 5% down payment associated with conventional loans. If you need to get into a home for a small down payment, or have impaired credit, this may be the program for you.

VA loan programs are available for people who have been or are presently part of the military, see if you are eligible. VA loans also allow 0% down payment to purchase a property!