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With a down payment of just 3.5% of the purchase price, credit scores from 580, and easier credit qualifying, FHA might be just what you need. Available on 1-4 unit properties.
This program enables a homeowner to lower their interest rate fast. It allows the homeowner to skip verification for credit, income, and employment history. Also, this program does not require that a borrower’s property be reappraised. The FHA bypasses this by using the original selling price of the home.
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Scott Capital Financing DBA Count On Scott Mortgage can help you qualify for a Federal Housing Administration (FHA) loan. This type of loan is insured by the FHA, the requirements are more lenient than those of a conventional loan. Some of the benefits are low down payments, low closing costs, and easy credit qualifying. An FHA loan is a great opportunity for first-time homebuyers.
The FHA has specific loan limits set for each state and county. These loan limits have recently increased in many states.FHA loans have specific debt-to-income guidelines that borrowers must meet to be eligible.
USDA loans help make owning a home more affordable for those living in eligible rural and suburban areas and with household incomes within the USDA limits. Read more about other benefits below.
USDA loans, also known as rural development loans, are an affordable mortgage option for buying a home in a qualifying rural or suburban area.
They’re backed by the U.S. Department of Agriculture, making them more accessible than other loan options.
You can get a USDA loan as a 30-year fixed-rate mortgage.
If you already have a USDA loan, you can refinance it into a new USDA loan; however, you can’t refinance with a USDA loan if you currently have a different loan type.
VA loans are a more affordable option for qualified veterans, service members, and their spouses. Read more about other benefits below.
VA loans are backed, or guaranteed, by the Department of Veterans Affairs. There are different loan types with fixed or adjustable interest rates and a range of loan terms.
In your new home!