With all the tightening in the lending industry lately.  FHA and VA loans are definately on the upswing.  Did you know that you can get the 3% down for FHA and the closing costs for both paid by the seller.  If it is your seller than you should look into all the DPA programs.  The Down Payment Assistance programs make the seller concessions tax deductible.  Why would your seller just give the money to the borrower and not take advantage of the tax deduction?  If you don't know about these programs then to be the best source of information to your sellers, you should learn about them.  Ameridream is one of my personal favorites but there are a bunch of them out there.  You can just search for Non-Profit Down Payment Assistance and they should appear.  We need to be educated to help out all of the potential buyers out there. 

Jerry Wright

425-355-2095