GREAT REASONS TO GO F.H.A.

97% LTV purchase 97% LTV + 3% Gift purchase 95% LTV cash out refinance 100% gift OK

bad credit OK - no score needed "A" paper rates manufactured homes OK seller can pay up to 6% in closing costs FHA streamilne refinances with no credit, income, or assets needed

adjustable rate loans cap at 1% annually/5% lifetime blended ratios with non-occupant co-borrowers 90% of rental income used

no prepayments penalties no reserves required

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