Many people are confused that they can not get a home loan. There are over 500 loan programs available. there are still several that you can get 100% financing. You will need 2 years tax returns, and be employed. All lenders are not equal, be sure they have many programs. The main lenders we use are mortgage bankers. This means they are associated with a bank. They close there own loans. Mortgage brokers do the paperwork and send it to a third party to purchase the loan. Either on can do home loans. It is important to get pre qualified so you know how mch home you can qualify for.