Minimal Down Payment and Closing Costs.

• Downpayment less than 3% of Sales Price
• 100% Financing options available*
• Gift for downpayment and closing costs allowed.
• No reserves or required.
• FHA regulated closing costs.
• Seller can credit up to 6% of sales price towards buyers costs.

Easier Credit Qualifying Guidelines may include:

• No minimum FICO score or credit score requirments.
• FHA will allow a home purchase two years after a Bankruptcy.
• FHA will allow a home purchase three years after a Foreclosure.

Easier Debt Ratio & Job Requirement Guidelines may include:

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

FHA Loan Qualifying Summary
FHA loans are the easiest type of real estate mortgage loan to qualify for. The FHA guidelines for loan qualification are the most flexible of all mortgage loans that require less than 5% down payment. Basic FHA loan qualification guidelines.

• Two Years of steady employment, preferably with same employer.
• Last two years Income should be the same or increasing.
• Credit report should typically have less than two thirty day lates in last two years.
• Bankruptcy's must be at least two years old, with good credit since.
• Foreclosure's must be at least three years old, with good credit since.
• Your new mortgage payment should be approximately 30% of your gross income.

Helping to Make Your Dream a Reality!
Finding and buying a new home should be a rewarding experience. At CENTURY 21 Today, we know the search for your dream home is about more than just putting a roof over your head. It's an expression of your hopes and dreams, your lifestyle and values. It's a place to spend time with family and friends, as well as your personal retreat at the end of your day. CENTURY 21 Today has been helping people find their dream home since 1967. We are proud to be your real estate partner…wherever life leads you!