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FHA & Conventional


If you have less than average income or your credit score is less than average, and you are looking to buy a home or refinance your home, an FHA (Federal Housing Administration) loan is probably the answer for you. FHA Loan programs share the same criteria, low interest rate, little to no money down and low closing costs. At A&D Lending we provide 100% FHA purchase financing. That’s correct nothing down- one submission, one approval, one closing.

Loan Highlights

– 580 FICO Minimum
– DTI per AUS (Automated Underwriting System)
– Loan Amounts per county limits
– First Time Homebuyer OK
– Homeowner Education (at least one borrower) required
– Non-Occupying Co-Borrowers Allowed

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