Do you have an Adjustable Rate Mortgage or less then perfect credit??

AN FHA GOV'T LOAN CAN HELP!

The FHA Gov't Loan Program provides homeowners with a low-interest fixed rate loan backed by the US Gov't and is not based on credit-score. Since FHA is not credit score driven, it accommodates homeowners with less than perfect credit that otherwise will not qualify for a conventional fixed-rate loan. Sub-prime loans had been the popular but risky option for homeowners with less than perfect credit. But since the difficult housing market has made sub-prime loans unavailable, homeowners with lower credit scores seeking help to avoid the payment increase on their ARMs are being denied more strict conventional loans. FHA is particularly helpful for homeowners that are currently in an Adjustable Rate Mortgage (ARM) and face a severe payment increase. FHA has also expanded its guidelines to help homeowners that have fallen no more than 3 months behind on their mortgage payment as a result of the ARM increase. This initiative is called FHA Secure. Although FHA is extremely flexible, it has not yet made provisions for homeowners that have fallen into foreclosure. FHA allows homeowners to borrow up to 97% of their home's value and also allows a refinance for debt consolidation, cash-out, and a pre-payment of the mortgage with no penalty. Bi-weekly payment schedules are also allowed through FHA. An FHA loan is a homeowner's best consideration in this very difficult housing market. Here at 123 we can complete your FHA loan in 14 days or less. We contribute our success to our Automated IT Platform where your submission request is nearly paperless and effortless. So, if you have less then perfect credit, look to purchase, behind on your mortgage or want to refinance out of an adjustable rate mortgage we would encourage you   to apply now at www123ms4u.com/loanapplication.