While most lenders shy away from government programs such as FHA, VA and USDA, we jump at the opportunity to utilize these programs as they benefit our first time homebuyers, our Veterans, and our rural customers. HFG is also unique in the fact that the majority of our customers are first time homebuyers, who aren¹t familiar with the homebuying process and in today's world find it hard to accumulate savings for a down payment. We go the extra mile by meeting our customers face to face, helping to explain the complex forms that can intimidate customers. We offer the Better Housing League¹s "Life as a Homeowner" class free of charge for anyone who is interested. We also work with Ohio and Indiana Housing Agencies, who offer bond money and mortgage credit certificates, and Kentucky Housing Corporation, who offer reduced rates and down payment assistance programs. We invite you to visit our offices, located in Milford, Ohio, and view our library of over 200 testimonials from families who have turned to us for their mortgage loan. We would love the opportunity to "help your family grow" and become part of the HFG family.