When looking for a low down payment loan, a few steps should be taken before making your decision. A good type of insurance would be through the FHA or Federal Housing Administration. With this insurance, you are backed 100% by the federal government. A branch of the FHA is the VA, or Veterans Administration, which allows veterans of all kinds to receive a very low down payment as well. Even though commercial insurance, as well as government, both follow the same model or concept. There are distinct differences between the two and at RBFG Mortgages we can help you decide which option is best for you. Whether choosing an FHA type insurance or choosing an independently owned insurance company.