These mortgages are backed by HUD and offer great rates and a great alternative to a conventional mortgage. FHA will allow seller concessions and the ability to put 3% down on a transaction from 1-4 units (owner occupied) Please call and ask questions on how this loan can benefit you. The 3% can also come from a gift from a family member, employer or a non- profit organization such as Nehemiah. Great Credit Scores are not needed and credit can be built for the right borrower pursuing this type of mortgage.[Apply]