Recently one of my friends told me that I should go for Fha Government Home Loans in order to fulfill my dream of buying a home. He told me that one of the best advantages of the loans is that I could pay off the loan much faster than I normally would in case of other loans. It is true that for such loans, one requires down payment. However, down payment does not mean that it is a drawback or something. There are some cautious buyers who regard down payment as disadvantage but believe me it is good opportunity for you to afford a home. With down payment, the principle over loan is much less.