The Federal Housing Administration (FHA) insures a wide variety
of first mortgages, including fixed rate and ARM products. Down
payments are low and gift funds can be used for all costs.0ualifying
ratios are generally liberal.
Mortgage insurance is required and the property being purchased
must be owner-occupied.
The Department of Veteran's Affairs (VA) guarantees mortgage loans
made to eligible veterans or reservists who are first-or second-time
In most cases, no down payment is required. For the most part, VA-guaranteed
loans are fixed rate products.
State Bond Loans
Funds for affordable home loans with flexible qualifying guidelines
are offered periodically through various state bond programs.
My Mortgage specialist
can help with information on any available programs in your
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