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Hello,It may be possible to buy in Seattle with an FHA loan again. OR you could go conventional with 3-5% down and Private Mortgage Insurance. FHA just announced that thier mortgage insurance costs are going up so conventional may be the best way to go anyway.There is also the Fannie Mae HomePath program which allows you to buy with as little as 3% down with no mortgage insurance and no appraisal required. These are Fannie Mae owned homes that may be a little rough but are great bargains. Go to HomePath.com to check it out.Since you have had your Atlanta home rented out since 2009 we may be able to use rental income but I would need to talk to you about your situation. Every loan is different and FHA goes on a case by case basis.Good documentation and letters of explanation will be required no matter which way you go.If you want to talk further just click on my name and either give me a call or sshoot me an e-mail.Best regards,Doug
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