YES, YOU CAN QULAFY FOR FHA IF YOU HAVE BEEN PAYING YOUR BILLS ON TIME! AND YES, THE PERCENTAGE RATE CAN BE LOWER THAN A CONVENTIONAL LOAN AND YES, IT'S TRUE IT IS NOT CREDIT SCORED BASED, BUT YOU MUST HAVE A CURRENT STEADY JOB....AND YES, WE REAL ESTATE AGENTS CAN GET YOU YOUR CLOSING COSTS AND WITH THE RIGHT MOTIVATED SELLER, WE CAN GET YOU THE 3% DOWN PAYMENT THAT IS REQUIRED BY FHA. FOR MORE INFORMATION JUST CONTACT ME!