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JR Smith Loan Officer | NMLS # 469732 CU Members – Florida Colonial – Banking, Home Loans & Insurance Mortgage Professional Reviews. The FHA home loan program has some new rules and guidelines starting september 14th 2015 for all approved FHA banks, lenders and brokers. These FHA Guideline Changes 2015-2016 should be noted for any home buyers that wish to utilize the fha mortgage program.
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