As you have heard by now, the Sub-prime Mortgage Market is not doing that great, and many nervous future and current homeowners are making the smart decision to go with low interest, fixed rate government back mortgages.

  The "We Can Finance a Home For ANYONE!" lender mentality is over.  But you can definitely still participate in homeownership with a little bit of up front knowledge and a reasonable fixed interest rate, even if your credit isn't all that great.

  If you are in the market to purchase or refinance a home now or in the near future, please take the time to educate yourself on the possibilities available to you.  You will not regret it in the end, when you become a satisfied homeowner with a comfortable mortgage payment that does not go up with time.Wouldn't it be great to know for sure that your basic housing payment will never adjust upwards?!  Also, you will be able to pay you house off quicker, which is absolutely necessary, in planning for a retirement.

  No more wild and crazy ARM (adustable rate mortgage) rate corrections or rental increases. 

  There is no better feeling than having a home of your own to come home to everyday.  It is also very high up on the list of smart financial planning advice to reduce taxes and build a net worth over time.

  Stick around and learn the many positive benefits and advantages of obtaining a "Gov't Backed Mortgage" for yourself.