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3.First-Time Homebuyer Assistance-We truly realize that out from the mortgage banking crisis has come tougher restictions on obtaining a mortgage. The requirement of higer first payment and higher credit ratings being two of the restrictions. Take a deep breath, which is not the case for first-time homebuyers. Don't have enough cash to create a 20% down payment? You don't have to. First-time homebuyers have the advantage of using government backed FHA loans. These loans have not changed and require almost no down, typically 3% from the purchase price. In addition, you can have less than perfect credit and still qualify for a FHA loan.
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