The Federal Housing Administration and Veterans Administration offer longer terms, lower down payments, and lower interest rates on mortgages. FHA and VA loans have made homewnership possible for many moderate-income families who would otherwise be unable to afford them.

Despite these programs, lenders still hold the power to decide who will receive credit.

What would you like to do?

We really want to live in Deerfield. We'd like to visit the area while we wait to find out if we've been approved for a mortgage. »

We'd like to look at houses in another area. »

We'll continue to live where we are at now. »