The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

How to Buy a Home With a Financed Down Payment

By Scott Sheldon / September 10, 2026

A financed down payment program may help qualified buyers purchase with little or no down payment. Learn the payment tradeoffs and who it may fit.

Can you get a USDA loan anymore?

By Scott Sheldon / April 13, 2016

One mortgage loan program popular in the last few years is the USDA loan. The program allows for you to buy a home with no money down and low monthly mortgage insurance. Here’s what you need to know if you’re interested in this type of financing. What the program entails The US Department of Agriculture…