Fannnie Mae is committed to expand homeownership for all borrowers.  They have a prgram to help lower income individuals get into a home. It is called My Community Mortgage. Lenders Direct is an approved Lender for this loan. These loans are 100% financing allowing the Borrower to buy without a downpayment. Forty year terms buydowns, and interest only options are available in order to help lower the house payment. Please call Lynne Dewar at (800) 522-1188 to discuss your qualifiations.