FHA boosts home mortgage limits $729,750

♦ Low down payments, 3% or 0 down with the

Hartgiftprogram.com or Nehemiah.com Fund.

♦ 100% gift money for the down and closing costs

♦ Non-occupying co-borrowers allowed

♦ Higher qualifying ratios

♦ Citizenship not required

♦ No outside PMI required

♦ No prior home ownership restrictions

♦ Mattress money can be used

♦ No cash reserves requirements

♦ No cash reserve requirements for (1 – 2 Units)

♦ No FICO requirements

♦ Less then 2 year history on income

♦ Blended debt ratios

♦ Lender / Agent / Seller can pay *ALL* pre-paids

♦ Payoff debt to qualify

♦ 401k loan payments not counted