Housing starts dip to lowest level since March '91The Associated Press -10 minutes agoThe law includes a temporary $7500 tax credit for first-time homebuyers that essentially works out to a 15-year, interest-free loan. ... There is a wide variety of lending institutions that offer home mortgage loans, including savings and loan associations, commercial banks, mutual savings banks, and mortgage companies. The lesson therefore is never limit yourself to just one option when you can have several.