There are still plenty of loan programs available to finance a house.  The key though is that you must actually qualify for loan and you can’t lie about you actual income.  If you can afford a house and you can prove it and your credit is worthy you should be able to find a home loan that fits your needs.

While several of the loan programs require a larger down payment than people are accustomed to over the last few years, there are still a few ways to obtain 100% financing.  VA programs for those that are eligible and FHA loan programs using a charitable gift  program are the most popular ways to achieve 100% financing.

Loan programs can change in a moments notice, so you should keep in constant contact with your loan officer.