<table width="600" style="font-family: verdana, arial, helvetica, sans-serif;"><td width="9" valign="top" height="112" style="padding-top: 0px;"><img width="9" height="13" alt="" style="border: 0px;" src="http://images.blifax.com/images/logos/SemAye4447/filelib_20286/bullet_9x13.gif" /></td><td valign="top" align="left" style="font-size: 13px; font-family: arial, verdana, helvetica, sans-serif; padding-bottom: 10px; padding-left: 5px;">USDA Borrower Advantages No down payment required. 100% financing available. Not limited to First Time Homebuyers! This program is also available for the move up homebuyer. Eligible repairs and improvements may be included in the loan. More affordable than FHA.</td><td width="9" valign="top" height="10" style="padding-top: 0px;"><img width="9" height="13" alt="" style="border: 0px;" src="http://images.blifax.com/images/logos/SemAye4447/filelib_20286/bullet_9x13.gif" /></td><td valign="top" align="left" style="font-size: 13px; font-family: arial, verdana, helvetica, sans-serif; padding-bottom: 10px; padding-left: 5px;">USDA Program Features Guarantee Fee applies: may be financed and added to the loan amount. Flexible credit guidelines and 640 Credit Score. Qualifying ratios are 29% for housing costs and 41% for total debt. Lenders may request an exception to exceed these ratios when strong compensating factors are identified. Closing costs may be paid by seller, financed (if eligible), paid by lender credit, or paid by borrower. Flips over 20% acquisitions are allowed.</td><td width="9" valign="top" height="10" style="padding-top: 0px;"><img width="9" height="13" alt="" style="border: 0px;" src="http://images.blifax.com/images/logos/SemAye4447/filelib_20286/bullet_9x13.gif" /></td><td valign="top" align="left" style="font-size: 13px; font-family: arial, verdana, helvetica, sans-serif; font-weight: bold; padding-bottom: 10px; padding-left: 5px;">USDA Property Eligibility: You might be surprised to find what properties are located in a USDA tract! To find a qualified property and access the USDA website click the following link:http://weblaunch.blifax.com/listener1/redirect.aspx?l=47bc7368-ad36-4957-927c-af3885ddadee&id=d74586dc-4a4f-43fe-878f-a7b3e9ce928a&u=http%3a%2f%2feligibility.sc.egov.usda.gov%2feligibility%2fwelcomeAction.do</td></table>