The biggest lever the Federal Government has is tax policy.

Cost Segregation is a commonly used strategic tax planning tool that allows companies and individuals who have constructed, purchased, expanded or remodeled any kind of real estate to increase cash flow by accelerating depreciation deductions which can defer state and federal income taxes and increase cash flow.When a property is purchased, not only does it include a building structure, but it also includes all its interior and exterior components.

With regards to the interest, where do the Applicable Federal Rates (AFR) come into play?

You need to contact the IRS to ask for a Federal Employer Identification Number or FEIN.  

In the parlance of the Federal government, such loans are called loans on one-to-four family dwellings.

A Cost Segregation study is an IRS approved federal income tax tool that increases near term cash flow by utilizing shorter recovery periods for depreciation to accelerate return on investment.

And FYI, USA is a Federal Constitutional Republic. 

Tax rules federal are you can rent for I believe two weeks without it being IRS taxable.Be clear with anyone you talk to it is her primary residence.  

Nick If you buy in Baltimore, stick to Canton, Fells Point, Brewers Hill, Federal Hill, Locust Point, Hampden,  Mt Vernon.

@Linda West it is United Wholesale Mortgage, which you gain access to through a mortgage broker.To answer your original question, I like Navy Federal for the long draw period of 20 years, followed by repayment period.