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FHA Loan: Rate is fixed. The payment on a $203,500, 30-year fixed rate loan at 3.50% and 74.91% loan-to-value (LTV) is $1,045.98 with 2.00 Points due at closing. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.8% of the base loan amount.
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No Money Down Mortgage Lenders The no doc mortgage does not exist in the same form that it had before 2008. Great Recession-era reforms require lenders to make sure the borrower can afford to repay a mortgage. A no down payment mortgage allows first-time home buyers and repeat home buyers to purchase property with no money required at closing except standard closing costs. 7.