Mortgage Rates
Refinance Rates
FHA Rates
VA Rates
Jumbo Rates
Adjustable Rate Mortgage Rates
Interest Only Mortgage Rates
Non-Owner Occupied Rates
Home Equity Loan Rates
Mortgage Instructional Videos

Mortgage Programs Overview

    All the information you need to understand the numerous mortgage programs available and to select the one that is right for you. The FREEandCLEAR Mortgage Programs Overview reviews and compares various types of mortgages and offers a comprehensive overview of conventional and government-sponsored mortgage assistance programs including first-time home buyer programs, fixer-upper programs, FHA and VA programs and refinancing programs such as HARP 2.0. This section also provides a detailed explanation of home equity loan options and reverse mortgages. Click on any of the mortgage programs below to review thorough information on each topic.

  • Mortgage Program Selection
  • Mortgage GuideWhat Mortgage Program is Right for Me?

    Mortgage GuideWhat Length of Mortgage Should I Choose?

  • Fixed Rate Mortgage
  • Mortgage GuideFixed Rate Mortgage Overview

  • Adjustable Rate Mortgage (ARM)
  • Mortgage GuideAdjustable Rate Mortgage (ARM) Overview

    Mortgage GuideDownside of an ARM

  • Interest Only Mortgage
  • Mortgage GuideInterest Only Mortgage Overview

    Mortgage GuideDownside of an Interest Only Mortgage

  • Jumbo Mortgage
  • Mortgage GuideJumbo Mortgage Overview

  • No / Low Down Payment Programs
  • Mortgage GuideBest No / Low Down Payment, First-Time Buyer & Mortgage Assistance Programs

    Mortgage GuideComparison of No and Low Down Payment Mortgage Programs

  • Conventional No / Low Down Payment Programs
  • Mortgage Guide1% Down Payment Mortgage Programs

    Mortgage Guide97% LTV / 3% Down Payment Program

    Mortgage GuideHomeReady Mortgage Program

    Mortgage GuideHomeReady Mortgage and FHA Mortgage Program Comparison

    Mortgage GuideHome Possible Mortgage Program

    Mortgage GuideHome Possible and HomeReady Comparison

    Mortgage GuideHomeOne Mortgage Program

    Mortgage GuideB of A Affordable Loan Solution

    Mortgage GuideChase DreaMaker Mortgage Program

    Mortgage GuideCiti HomeRun Mortgage Program Overview

    Mortgage GuideWells Fargo yourFirst Mortgage Program

    Mortgage GuideYour Path Mortgage Program

  • Government-Backed No / Low Down Payment Programs
  • Mortgage GuideFHA Mortgage Program Overview

    Mortgage GuideVA Home Loan Program Overview

    Mortgage GuideUSDA Home Loan Program Overview

    Mortgage GuideSection 184 Loan Program Overview

  • NACA Purchase Mortgage Program
  • Mortgage GuideNACA Home Loan Program Overview

  • Other Mortgage Assistance Programs
  • Mortgage GuideClosing Cost Assistance Grant Overview

    Mortgage GuideDown Payment Assistance Program Overview

    Mortgage GuideCommunity Seconds Mortgage Program

    Mortgage GuideMortgage Credit Certificate (MCC) Program Overview

    Mortgage GuideContract for Deed Overview

    Mortgage GuideIndividual Development Accounts Overview

  • Investment Property Programs
  • Mortgage GuideNon-Owner Occupied Mortgage

  • Fixer-Upper / Renovation Programs
  • Mortgage GuideFixer-Upper / Renovation Mortgage Program Summary

    Mortgage GuideConstruction Loan Program

    Mortgage GuideConstruction to Permanent (C2P) Loan Program

    Mortgage GuideFHA 203(k) Home Loan Program

    Mortgage GuideFannie Mae HomeStyle Renovation Program

  • Energy Efficient Mortgage (EEM) / Green Mortgage Programs
  • Mortgage GuideBest Energy Efficient Mortgage (EEM) / Green Mortgage Programs

    Mortgage GuideFannie Mae HomeStyle Energy Program

    Mortgage GuideFHA Energy Efficient Mortgage (EEM) Program

    Mortgage GuideVA Energy Efficient Mortgages (EEM) Program

    Mortgage GuideProperty Assessed Clean Energy (PACE) Loan

  • Home Equity Loan
  • Mortgage GuideHome Equity Loan Overview

    Mortgage GuideHome Equity Line of Credit (HELOC) Overview

    Mortgage GuideA Home Equity Loan Compared to a HELOC

    Mortgage GuideHome Equity Loan Compared to a Mortgage Refinance

  • Reverse Mortgage
  • Mortgage GuideHow a Reverse Mortgage Works

    Mortgage GuideReverse Mortgage Pros and Cons

    Mortgage GuideReverse Mortgage Terminology

    Mortgage GuideReverse Mortgage Options: Fixed Rate or ARM

    Mortgage GuideHow to Get a Jumbo Reverse Mortgage

  • Refinance Programs
  • Mortgage GuideBest Refinance Assistance Programs

    Mortgage GuideFHA Streamline Refinance Program

    Mortgage GuideVA Streamline / IRRRL Refinance Program

    Mortgage GuideUSDA Streamline Refinance Program

    Mortgage GuideFHA Cash Out Refinance Program

    Mortgage GuideStudent Loan Cash Out Refinance

    Mortgage GuideDelayed Mortgage Program

  • Distressed Refinance Programs
  • Mortgage GuideHome Affordable Refinance Program 2.0 (HARP 2.0)

    Mortgage GuideFHFA Principal Reduction Modification Program

    Mortgage GuideOther Distressed Mortgage Refinance Programs

  • Disaster Relief Mortgage Programs
  • Mortgage GuideFHA 203(h) Mortgage Program Overview

  • Alternative Mortgage Programs
  • Mortgage GuideAlternative Mortgage Programs

    Mortgage GuideAlt-A Mortgage

    Mortgage GuideAsset Depletion Mortgage

    Mortgage GuideBank Statement Mortgage

    Mortgage GuideBridge Loan

    Mortgage GuideHard Money Loan

    Mortgage GuideNo Documentation Mortgage

    Mortgage GuideSecond Mortgage

    Mortgage GuideStated Income Mortgage

    About the author

    Michael Jensen, Mortgage and Finance Guru

    Michael is the co-founder of FREEandCLEAR. Michael possesses extensive knowledge about mortgages and finance and has been writing about mortgages for nearly a decade. His work has been featured in leading national and industry publications. More about Michael

    Michael Jensen LinkedInLinkedIn | Email Michael JensenEmail

    Get Free Personalized Mortgage Quotes

    First Name:
    Last Name:
    Phone Number:

    My Mortgage Info

    Mortgage Type
    Credit Score
    Loan Amount
    Property Value
    GET FREE Quotes
    FREEandCLEAR.comThank you for submitting your information!
    FREEandCLEAR.comYour mortgage quote request has been sent to our lending partners and you should receive emails from multiple lenders shortly
    FREEandCLEAR.comComparing proposals from multiple lenders is the best way to save money on your mortgage!