100% FHA Financing &
Down Payment Assistance

Pauling Homes Team is not a financial institution, but we work closely with First Class Mortgage as a trusted partner and lender.

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Program Highlights

  • 100% CLTV FHA Loan (Combines 1st and Subordinate Lien)

  • 2nd Lien with an interest rate 2% greater than 1st lien. Payment amortized over 10 years. Monthly payments required.

  • 600 Min FICO

  • Borrower's minimum contribution of $0.00

  • Purchase only

  • No first time home buyer requirement

  • Non-occupying co-borrowers allowed per FHA guides

  • One borrower must complete HUD approved counseling

  • 96.5% max LTV with 3.5% DPA (100% CLTV)

  • Loan amount to conforming limits

  • No income limits

Need Help Getting Pre-Approved?

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