Those in the military get housing benefits, but four more states just got military-friendly loans: Georgia, Florida, North Carolina, and Pennsylvania.

The Georgia Dream program provides assistance to first-time buyers, those that haven’t owned a house in three or more years, and those who live in designated areas. The Florida Housing Finance Corporation gives a Florida Military Heroes loan to former military members who want to live in affordable housing. North Carolina’s NC Foreclosure Prevention Fund gives zero-interest loans to help veterans keep their homes. The Keystone Home Loan Program in Pennsylvania offers low-interest loans to veterans.

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Alaskan utility customers may soon find a pleasant surprise in the form of loans. For energy efficient upgrades and adding renewable energy systems, they will be paid back through their monthly bills.

Known as “on-bill financing,” this is already done throughout the country.

Gov. Bill Walker signed a bill into law to suspend service to customers if they don’t pay back their loans. According to president and CEO of Golden Valley Electric Association Cory Borgeson says the company has to set up a bank business before the program can begin.

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No one wants to deal with taking out a mortgage loan and having it denied. Recently the Urban Institute calculated real denial rates to determine which mortgage loans are denied most often.

Government-backed loans get denied less than conventional loans. Forbes reported that “conventional loan applications are denied almost 50% of the time, versus just over 20% for government loans.”

Small balanced loans usually below $70,000 or lower see higher denial rates. Forbes said, “Applications for loans under the $70,000 mark had a 52% denial rate, while those for over $150,000 were denied just 29% of the time.”

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For those who built a home rather than bought an existing one, you might notice that traditional mortgages aren’t applied. Instead, you’ll likely have to get a construction loan.

But what is a construction loan, you may be wondering?

They’re high-interest, short-term loans that cover the costs of building or rehabilitating a home. They’re based on the projected value of the home once the construction is complete, rather than the home’s condition in comparison to other recent sales.

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Let’s start with this…it’s the LAW! Most states require drivers to carry some type of car insurance to prove that you can pay for potential accident expenses.

Even if your state does not require you have to car insurance, here are some other reasons why you should:

1. It’s risky – Accident costs are expensive, even if you’re a professional race car driver there’s a very good possibility you’ll be involved in an accident at some point.

2. Car insurance can help with health insurance – If you have insufficient health insurance there are some car insurances that help cover accident related injuries.

3. Saves time and isn’t as much of an inconvenience – Insurers have legitimate expertise on how to complete the post-accident process as quickly as possible. No one wants to do all this by themselves.

Image via Cheap Car Insurance.