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You more than likely need to get your score to 620 and have at least 3.5% down to do an FHA loan. The only 100% money out there is USDA and if you make to much it throws you out of the program.

How low is your score? I agree with the previous answer that you will need a 620 mid FICO. Have you seen your credit report? I work with a couple credit repair companies. It sounds like you have looked into the local down payment programs. CHFA has fairly high income limits to use their program, so it could be an option. Feel free to give me a call and I can offer my advice. Allen 720-203-9871

I would agree that you probably need to be looking at FHA, then, with the 3.5% down. The only other way you're not going to have income restrictions is if you've served in the military and qualify for a VA loan. You should probably look into just working on your credit as you save up a little for a down payment.

Good Morning Brandy...VA Mortgage - Rural Home Mortgage = 100% financing...FHA Mortgage = 96.% financing...Contact us when you have a chance...Thanks Ron---e/m Money@RonWohlfarth.com---web www.WoodburyMoney.com