Ah, home buying. It’s invigorating! Complex. Expensive, too. This is why the vast majority of homebuyers rely on mortgages to obtain their dream homes.

Conventional loans are the most popular, but government-backed loans are often easier to qualify for and may have lower interest rates and more lenient terms.

The powers that be offer a variety of mortgages and mortgage insurance programs that can keep your down payment and interest rates low. But raking through government websites can be exhausting and far less fun than comparing paint swatches.

So which government home loan might be right for your purposes? Here are the details.

First of all, it’s important to understand that there are many types of mortgage loans.

The Federal Housing Administration offers mortgage insurance on single-family and multifamily properties, as well as residential care facilities like hospitals, and has been doing so since 1934.

The USDA is another government entity that helps make homeownership more achievable for low-income Americans — specifically those who reside in, or are willing to reside in, rural areas. Two of its most popular programs are the Single Family Housing Guaranteed Loan Program and Single Family Housing Direct Home Loans.

The U.S. Department of Veterans Affairs insures conventional loans offered to service members, veterans, and eligible surviving spouses.

Native American Direct Loans are offered directly by the VA to eligible Native American veterans and veterans married to Native Americans.

This article originally appeared on SoFi.com and was syndicated by MediaFeed.org.