This program provides comprehensive financing solutions with a 100% combined loan-to-value (CLTV) ratio through an FHA first lien at 96.5% LTV, complemented by a second lien covering up to 3.5% LTV. This structure effectively addresses both down payment and closing cost needs.

Key Features:

• FHA first lien paired with a simultaneous second lien to achieve 100% CLTV
• Minimum credit score requirement of 600 FICO
• Flexible first-lien loan terms ranging from 25 to 30 years
• No requirement for first-time homebuyer status
• No income restrictions
• Uniform guidelines apply to both the first and second liens

This program is designed to streamline the home financing process, offering a versatile solution for a wide array of borrowers.

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