• Minimal Down Payment and Closing Costs.

• Downpayment less than 3.5% of Sales Price
• Gift for downpayment and closing costs allowed
• No reserves required
• FHA regulated closing costs
• Seller can credit up to 6% of sales price towards buyers costs

• Easier Credit Qualifying Guidelines such as:

• Minimum FICO credit score of 640
• FHA will allow a home purchase two years after a Bankruptcy
• FHA will allow a home purchase three years after a Foreclosure
• FHA will allow a home purchase after a short sale (0x30 mortgage lates required) 

• Easier Debt Ratio & Job Requirement Guidelines such as:

• Higher Debt Ratio's than other home loan programs.
• Less than two years on the job is allowed.
• Self-Employed individuals o.k.
• First Time Homebuyers are eligible