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User...Thanks for contacting me Offline. For the benefit of those reading this post, FHA will allow for 97.75% financing. While the rate is low, you have mortgage insurnace to the tune of somewhere around $350 a month and there is no way around it. A conventional loan will allow for 95% financing in your case where the second mortgage was taken out on the purchase of your home. While the rate may be a higher, the mortgage insurance is almost half of FHA and there are ways to manage it to save even more monthly
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For Sale: $280,000
For Sale: $164,900
For Sale: $209,900