Credit Problems? NO PROBLEM! I can help you get an FHA loan. The "American Dream" is still alive! FHA can help you purchase your own home. Do you know how easy it is to qualify for an FHA loan? Even with limited credit or a past bankruptcy, you may be able to become a homeowner. And it doesn't require the 20% down payment of traditional loans. FHA mortgages require you to only contribute 3% of your own money and even that can be gifted. Call me today to explore your options. Respectfully, Shelly Mellomida Essex Mortgage 916.933.7340 www.affordablehomes4you.com

This program is primarily used by first-time homebuyers, although not required, and provides the most flexibility and options available. It allows the borrower to have higher debt and less down payment than other loan programs. It does have a maximum loan amount depending upon where you are purchasing. Down payment assistance programs and seller-paid closing costs can be used to allow a borrower to purchase a home with little or nothing out of pocket.