The biggest change toward more lenient credit standards will be in a $10 million mortgage program.

Some banks have created special mortgage programs for low-income people that require lower down payments.

Answer: You may be a good candidate for one of the federal mortgage programs.

Last year, 200 families bought homes through one state-subsidized mortgage program, down from about 400 a few years ago.

They join the more than 1,500 faculty and staff members who have used the university's 35-year-old guaranteed mortgage program to finance their homes.

Prior to 2007, all major reverse mortgage programs had adjustable interest rates.

A total of 45 banks throughout the state have asked to participate in the mortgage program.

The agency's mortgage programs are designed for people who otherwise would have little chance of buying a home.

It would also increase user fees for certain Federal mortgage programs.

Residents were also eligible for a special low-cost mortgage program.