Things are rough, but we still have dear old Uncle Sam creating a great environment for veterans with VA loans. That can be a great advantage because with the credit crunch, a lot of people are not getting the loans that they need to buy a home. If you have veteran loan options then you are in the driver seat. You can also get a VA refinancing that can come in very handy. A 1-percent reduction in your interest rate can save you $100 to $600 a month, depending upon how large your mortgage is. Other options to look into is $6,000 of help in financing energy efficient home improvements. That plus tax credits on home insulation and on green energy options could end up being quite financially significant. Fixed interest rates under 4-percent are certainly something that you can get excited about right now, and get to enjoy the benefits for 30 years.