FHA buyers can qualify with less income and downpayment:  only 3% total down required.

Purchase/Refi 1-4 family.

In-house manual underwriting with 24-48 hour turnaround time.

Can charge 3 points up front (1 origination, 2 discount).

Closing costs can be all gift funds.

6% sellers’ concession.

New 31/42 Ratios.

New FHA 203K program allows up to 110% LTV  (up to $35,000 to fix up home)

New FHASecure Program enables homeowners to refinance ARMs that have recently “reset.”

Possible increased FHA loan limits coming soon??