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EFFECTIVE FEB 21, 2009 INVESTORS WHO BUY FHA/ VA LOAN PAPER HAVE INCREASED THE MINUMUM SCORE REQUIREMENT TO 620. AGAIN THIS MAY NOT SOUND LIKE MUCH BUT THIS CHANGE WILL EFFECT A LOT OF POTENTIAL CUSTOMERS. EVEN WITH THIS CHANGE FHA/ VA FINANCING CONTINUES TO BE THE PRODUCT FOR A LOT OF AMERICANS. WITH DOWN PAYMENTS REQUIREMENT A 3.5% AND RATES FOR FIXED RATE PRODUCT IN THE 5% RANGE MANY CUSTOMERS ARE FINDING HOMEOWNERSHIP.