FHA loan

The FHA:

  1.  Makes loans directly to consumers
  2.  Provides mortgage insurance on loans made by FHA-approved lenders throughout the USA.
  3.  Is only for first time homebuyers.
  4.  Is not affiliated with the government.

The answer is B.  The FHA just provides mortgage insurance, and does not make loans directly to people.  Even people who are not first time homebuyers can qualify for an FHA loan:

You can also use FHA home loans as many times as you desire when buying a home or doing a mortgage refinance. The only FHA loan requirement is that you cannot have more than one outstanding FHA mortgage loan with a loan to value of higher than 75%. You can own rental property and purchase your primary residence using FHA mortgage financing.