Ideal for first-time buyers, these no down-payment mortgages can help reduce or eliminate nearly every cost associated with obtaining a home loan. These programs normally combine two loans: An 80% first mortgage, and a 20% second mortgage. The interest rate is typically the weighted average of the two loans.

Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Generally has higher loan limits than FHA and VA.

Allows borrowers with less-than-perfect credit to qualify for competitive interest rates to consolidate debt and lower payments or make home improvements.

Ideal for the self-employed with good credit, loans where borrowers agree to put down 25 to 30% equity in exchange for reduced documentation requirements.

Government insured/guaranteed long-term, fixed-rate and adjustable loans.