The major road block to many buyers is the down payment traditionally needed to purchase a home. My Community is designed for low to moderate income homebuyers. This program provides significant flexibility in credit guidelines for borrowers with limited cash resources. It offers less restrictive qualifying criteria for teachers and public safety workers (Community Solutions). This is a 30 or 40 year fixed program and conf. ARM Libor 5/1. Interest only is NOW available. The program may be used to purchase a primary residence, including single family residences, condos and PUD's, 2-4 unit properties, but manufactured housing is not allowed. All borrowers must occupy the property as their primary residence. Minimum credit score is 620 Full documentation loans are required which means we will need your paycheck (current), W-2's or taxes for the last two years. 6% Seller Contributions are Allowed This program can be used in conjunction with the State down payment assistance program through NACOG. Please give me a call to see if you wish to get preapproved for this versatile program. Liz Fontanini - Wallick & Volk Mortgage 928-556-0060 | 
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