The California Debt and Investment Advisory Commission (CDIAC) provides information, education, and technical assistance on debt issuance and public. Available only to school employees, this loan puts owning a home within your reach, with a low down payment and no mortgage insurance.USDA Rural Development's Section 502 Direct Loan Program provides a path to homeownership for low- and very-low-income families living in rural areas. IBank's Small Business Finance Center features a loan guarantee program designed to assist small businesses that experience capital access barriers. As a full-service mortgage lender, we can get you started. View loan programs and mortgage rate options, plus learn how you can apply.