Here are some of the most useful first-time home buyer loans and programs that you might overlook if you rush the process. They may score you some big savings.

-1- FHA loan: The go-to loan program for buyers with weaker credit.

-2- VA loan: No down payment loans for military persons.

-3- USDA loan: 100% financing on rural properties.

-4- Fannie and Freddie: Conventional loans with just 3% down.

-5- State first-time home buyer program: Assistance specifically for residents.

-6- Home renovation loan: Buy a home and remodel it with one loan.

-7- Good Neighbor Next Door: Home price discounts for first responders and educators.