• Minimum down payment of only 3 percent
• Seller may pay closing costs up to 6 percent of sales price
• Flexible credit guidelines
• No minimum credit scores
• Higher back-end ratios, up to 43 percent
• Buyer can be in credit counseling, Chapter 13 bankruptcy for one year, or Chapter 7 for two years
• All money can be a gift for down payment and closing costs

Click here to access our mortgage calculators.