Santa Cruz Home Finance is a Direct FHA Lender 

FHA Highlights 

• 100% Gift OK
• 640 Credit Score o.k. 
• Low 3.5% down payment
• Non-occupant, co-borrower is permitted
• Expanded qualifying ratios
• No prepayment penalties
• Assumable to qualified buyers 
• Availability: in all areas of the country, provided a market exists for the property and the home meets HUD's minimum property standards
• Versatility: may be used to purchase or refinance a new or existing one-to-four-family home in urban and rural areas.
• Adaptability: typically offered at terms of 15 or 30 years
• Seller credit up to 6% of purchase price OK
• All Buyers--This is NOT a first-time home buyers program!
• No income limitations

Call us today for more information on FHA!