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Conventional Loan

The Conventional 97% LTV is available for NON first time homebuyers using Fannie Home Ready OR Freddie Home Possible - plus there are Lender Paid MI options up to 97% It offers options to eliminate the monthly mortgage premium altogether. 

Your loan officer can help you obtain your credit score, which will be based on the middle of three credit scores as reported by the major credit bureaus.

Ask your loan officer about loans without mortgage insurance