I'm a Mortgage Banker with a FSB (Federal Savings Bank). If anyone has any questions you call me direct 917-620-8805 (Vito). I'm licensed in all fifty states. Feel free to call me anytime, and I will give you a free consultation. New purchases, we use FHA (Federal Housing Authority) only 3.5% down needed. Re-financing a home? Interest rates are @ a 60 year low. Good Luck =)