No minimum credit history to certify Targeted for low- to mid-income households in backwoods Income and geographical restrictions Will usually come with PMI, which adds to the month-to-month home loan payment You're a lower-income purchaser interested in buying a home in a certified location. You have a credit history that makes receiving other home mortgages difficult.

Army, or a household member of one, you may receive a home mortgage backed by the Department of Veterans Affairs.…