This is an FHA home loan structured to help the low to moderate income to be able to purchase a home with minimal out of pocket with the minimum of 580 Fico Score. If you are short of down payment and or closing costs, this is the program to assist with down payment and closing cost with premium financing. This loan program is available thoughout California. Sheryl Arndt, Sr. Loan Officer NMLS# 297251 Program highlights Down Payment and/or Closing Cost Assistance Not Limited to First-Time Homebuyers Purchase of Primary Residences Only Available in Conjunction with 30-year fixed rate mtg. Fixed-rate FHA, VA (1 comments)