It sounds like you’re interested in a Veterans Affairs guaranteed home loan. We think you should give the VA a call at (800) 827-1000. If you did not remarry, and your husband passed away as the result of a service-connected disability, you should be eligible for a VA loan. The primary advantage of a VA loan is that it requires no down payment. However, you still need to qualify for the loan through a participating lender. The people here at USAA should be able to answer any specific questions you have on the topic or process. Give them a call at (877) 699-2654.