Compare the Difference

                                                          FHA                                 Conventional                                VA      _

Maximum loan limits per County      Yes                                   No                                               No

Maximum loan amount                    Based on County              $417,000.00                              $417,000.00

Mortgage Insurance required          Yes                                  105%                                          100%

Maximum LTV                                  97.75%                             105%                                          100%

Gifts Allowed                                  Yes-Family                         Yes-LTV restrictions                    Yes-Family  

Credit Score requirements              No                                    Yes                                              No

Seasoning for Bankruptcy               2 Years                             4 Years                                       2 Years

Seller Contributions                        6%                                    Based on LTV                              4%

Ratios                                            29/41*                               28/36%*                                    41%*