For eligible veterans and active duty servicemembers, VA loans offer no-down payment loans with mortgage rates that can be significantly lower than conventional home loans and accommodating credit standards as well.
Don't have a credit history? Believe it or not, there are loan programs out there that can allow people who've paid their bills on time but haven't established a conventional credit history to qualify for a mortgage.
Non-bank lenders have expanded to the point where they now account for half the mortgages originated in the United States, a trend that could make it easier for those with poor credit to get a home loan.
For homeowners in some states, PACE loans offer what may be a more affordable alternative to conventional energy efficiency and home improvement loans, one that can be paid through a lien on their property taxes.