Welcome to Mortgage 101 Knowing what is available to you and understanding the basics is the key to successfully buying a home with little or no money down. In this site you will be able to learn the basics of several key elements of mortgage financing: Loan types available to you Credit and income guidelines/restrictions for these loan programs What grants are available in the area you wish to purchase a home General financing and real estate questions What steps you should take to prepare to buy a home Credit scoring and credit repair Finally, in the House of Savings you will be able to find home buying and home owner related vendors that have agreed to give discounts on their services for clients sourced through this site Click on the link at the top of each page and explore your options!