If you are a qualifying veteran, you're in luck. The Department of Veterans Affairs provides home loans with 100% financing for qualified veterans buying qualified homes. These loans often involve added time and expense for the seller, so be prepared to negotiate and, in some cases, pay a premium price. Qualifying credit and income, as well as a certificate of eligility, are necessary. If you're not a veteran, the government has loan programs for you, too. They are administered by the FHA and the Department of Agriculture.
