I don't have a lot of money for a down payment:

MegaStar Financial offers the Federal Housing Administration Loan (FHA) to assist borrowers who may need a low down payment and flexible mortgage guidelines. The FHA loan is a great product that helps many people refinance or become homeowners.

• 3.5% down payment required - Can be a gift; see your MegaStar Mortgage Loan Officer for details.
• Under the FHA streamline program, current FHA loan borrowers can refinance with no appraisal.
• Seller can contribute up to 6% of the borrower's closing costs.