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LTV's up to 97%
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Government Loans:
The Federal Housing Administration (FHA) offers government-insured loans. These loans have features that make them easier for first-time home buyers to obtain. These features include:

Low down payments
Flexible lending guidelines

FHA Loan features:
                Low down payment (usually 3% of the FHA appraisal value or the purchase price, whichever is lower)
                No maximum income/earning limitations
                Fixed rate and ARM loans available
                Insurance from the federal government replaces private mortgage insurance
                Maximum loan amounts vary by county — contact us for information on your county