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These financial typically are not limited by maximum mortgage or cost limitation. Group Home buyer Program: Through their networks of mortgage organizations,[link widoczny dla zalogowanych], the Government National Home mortgage Association (Fannie Mae) and the Government Home Loan Home mortgage Organization (Freddie Mac) offer Group Home buyer System financial loans. These applications need a 5 % down deal,[link widoczny dla zalogowanych], 3 % of which may be a gift. To further help customers qualify,[link widoczny dla zalogowanych], applicants may use 38 % of their income. Currently,[link widoczny dla zalogowanych], the maximum mortgage available through these applications is $203,[link widoczny dla zalogowanych],150.Clearly,[link widoczny dla zalogowanych], there a lot of options for first-time home buyers.