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• Buy a home with as little as 3% down (primary home only)

• Texas residents can refinance up to 80% of your primary home’s value

• Seller can pay up to 3 percent of closing costs and concessions

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• USDA Loans with no down payment and qualifying score as low as 620

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• 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

• Provides veterans with flexible lending options and loan security.

• The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

• Competitive interest rates that are routinely lower than conventional rates.

• Sellers can pay up to 4 percent of closing costs and concessions.

• Higher allowable debt-to-income ratios than for many other loans.

• 0% down payment required on purchase.

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• 3.50% down payment required on purchase.

• Minimum credit score down 580.

• Post-bankruptcy qualifying - 2 years after.

• Seller can pay up to 6% of closing costs and concessions.

• No Monthly mortgage payments. Loan would be due when you move out permanently, sell the home or pass away

• Non-recourse: never owe more than what the home is worth.

General Guidelines

• Must be 62 years old or older

• Must maintain as primary residence

• Must keep current on property taxes, insurance and homeowner fees current