Lydia Smith MBA

Your Trusted Mortgage Advisor

FHA Loans are intended for the first-time homebuyer with limited cash to close. In addition, FHA allows you to pay a low down payment, down payment assistance, and allows discretionary underwriting if you do not have a credit score. Find out how people are buying their first home with as low as 3.5% down and a minimum 580 score. This book also includes what’s needed for the Loan Officer along with Frequently Asked Questions.

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