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In the article “3 Tips for Understanding Mortgage Loans” Deb Tomaro was quoted as saying,

“If you have a low credit score, plan to live in a rural area, can’t make a 5% down payment or are a veteran, an FHA, USDA or VA loan might help. “About 80% of first-time homebuyers don’t know the mortgage options available to them,” says Indiana realtor Deb Tomaro, who hosts a homebuying seminar. “Talk to a realtor who can help guide you through the process.”