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  1. Hello! Last week I started a loan application for the 0% down program that Flagstar offers. It’s a little different than the USDA loan you can get. Their program offers no PMI and limited counties in Michigan where you can buy a house. Since my husband and I are first time home buyers and average credit and limited savings for a down payment we thought this would be a great option when the LO mentioned it. He did say we were close to breaking the income cap, so only my name is on the application. He sounded positive that this would be pre-approved by underwriting as long as we didn’t
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