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Land loans are riskier for lenders because the loan's collateral, the property, isn't currently being used. That makes it easier for the owner to walk away and leave the lender with the land. Because of that, down payments and interest rates are higher for land loans than they are for mortgage loans.What type of loan depends a lot on the property, what you plan on doing with it, and when you plan to have the work completed.Unimproved land, or raw land, with no plans for improvement is the hardest type of property to secure a loan on because it is in essence a speculative investment. Raw land has no added improvements like sewers, utilities, streets or structures.A raw land loan will have higher down payment requirements and a higher interest rate than an improved property loan. Some lenders require a 50 percent down payment, but you should be able to find a lender that will only require a 20 percent down payment. A local lender that is familiar with the property will be more willing to work with you on the loan than a lender unfamiliar with the area.

To encourage broad participation in health insurance and provide affordable coverage for families, the Patient Protection and Affordable Care signed into law in March 2010  includes provisions to lower premiums and cost-sharing requirements for Americans with low and modest incomes.  This brief describes the subsidies available in the law, including premium subsidies that would be provided in the form of tax credits, as well as other subsidies that would lower cost sharing to eligible Americans.   It explains the sliding scale of subsidies available to Americans in 2014 with annual incomes between 100 and 400 percent of the federal poverty level, and describes the cost-sharing assistance and the impact of the subsidies on reform’s overall cost.