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If you need a referral to a HUD-approved housing counselor near you, contact the FHA/HUD directly by calling 1-800 CALL FHA.

------------------------------ RELATED VIDEOS: Analyzing Your Debt Ratio Monthly Payments Establish Good Credit Understanding Your Loan Term Down Payment Requirements FHA Loan Requirements FHA Guidelines Mortgage Loan Terms Loan Approval Process Credit Requirements Getting Pre-Qualified Principal and Interest Debt-to-Income Ratio Finding a Lender Understanding Credit Scores is a one-stop resource for homebuyers who want to make the best decisions when it comes to their mortgage. You can get one with a down payment as low as 3.5%.

Also, contact your local government to see if there are any local home buying programs that could help you.

Look in the blue pages of your phone directory for your local office of housing and community development or, if you can’t find it, contact your mayor’s office or your county executive’s office.” A state or local home buying assistance program may be able to help you get into a home loan or at least offer advice on resources, budgeting, and preparing for the loan.

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