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Federal Housing Administration (FHA) loan

The Federal Housing Administration (FHA) loan allows buyers to put down just 3.5% of the purchase price of a primary residence, but requires a credit score of 580 or higher and a debt-to-income ratio below 43%. If you have a credit score between 500…

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United States Department of Agriculture (USDA) loan

The US Department of Agriculture (USDA) loan helps people in rural areas buy homes with $0 down. To qualify for the Single Family Housing Guaranteed Loan Program, you have to meet certain income requirements – described as “low-to-moderate” income. The…

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Veterans Affairs (VA) loan

WE LOVE OUR VETERANS! We also LOVE working with them, and protecting their interest. The VA loan is a $0 down payment mortgage option available to “Active and former” members of the military, often with a lower interest rate than…

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Home Equity Loan 101

What is a home equity loan? Basically, your home’s equity is determined by taking the value of your home and subtracting any other mortgages or liens secured by the home. A home equity loan is a financial product that allows…

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