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| PTC $0 DOWN AND CLOSING COSTS ASSIST VA Loans |
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| • No down Payment as long as the sales prices doesn't exceed the appraised value. |
| • No First Time Homeowner required. |
| • Lower credit scores possible. |
| • Can be combined with Florida Bond and FHLB (Federal HOme Loan Bank) programs. |
| • One-time VA Funding Fee required. VA Funding Fee higher the second time the VA Loan is used. |
| • No private mortgage insurance premium requirement. |
| • VA rules limit the amount you can be charged for closing costs. |
| • Closing cost may be paid by the seller. |
| • No Prepayment Penalty Fee if loan is paid out early |
| • Lender credit available. |
| • VA may be able to provide you some assistance if you run into difficultyu making payments. |
| • You can reuse the benefit but the cost is higher the second time. |
| • VA-backed loand are assumabel, as long as the person assuming the loan qualifies. |
| • Must have Certificate of Elibility and DD214 form. |
| • Primary Residences only |
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