First, the consumer must determine a budget that includes what the individual is willing and able to pay each month for a house. This will eliminate some of the home loan program options. Depending on how the consumer feels about paying higher interest rates or upfront money for down payment, the options will change. Some home loan programs are designed for people that don't have money to put towards a down payment. Some cities develop rural land, while others offer rates that are appealing to people that will not be staying in their house for very long. The various programs are designed to help people get houses and not deter them from doing so. Help from a real estate agency or mortgage broker can provide the information that an individual will need to get started.