Borrower Need	Feature
Low Cash to Close	Approximately 97% financing Seller can contribute up to 6% of sales price to help with closing costs and prepaid items without affecting downpayment requirement 100% gift down payment -- relative or employer Up-front Mortgage insurance can be financed No cash reserves required after closing
Home Affordability	Seller can pay the interest portion (up to 6%) of the borrower's mortgage payment for a specified number of months in some states More lenient qualifying ratios Will consider compensating income factors (i.e. room mate income) Non-occupant co-borrowers eligible to help with qualifying Alternative income sources must continue only 3 years
Easy Qualification	No cash reserves required after closing More lenient qualifying ratios Child-care costs not considered in debt ratio Alternative income sources must continue only 3 years
Convenience	Apply online now!
Speed	We underwrite our own FHA loans* Alt Doc -- easier documentation requirements* SunTrust StepOne^(sm) -- Pre-qualification in less than 10 minutes*
Special Advantage	"Kiddie Condos" allowed - high loan-to-value loans for the purchase of condominiums meant to be used by children at college. Assumable, with qualification of buyer