<span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">FHA insured mortgages offer many benefits and protections that only come with FHA: </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; "><font size="2" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; ">Easier to Qualify:</font></strong></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "> </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">Because FHA insures your mortgage, lenders may be more willing to give you loan terms that make it easier for you to qualify. </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; ">Less than Perfect Credit:</strong></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "> </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">You don't have to have a perfect credit score to get an FHA mortgage. In fact, even if you have had credit problems, such as a bankruptcy, it's easier for you to qualify for an FHA loan than a conventional loan. </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; ">Low Down Payment:</strong></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "> </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">FHA loans have a low 3.5% downpayment and that money can come from a family member, employer or charitable organization as a gift. Other loan programs don't allow this. </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; ">Costs Less:</strong></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "> </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">FHA loans have competitive interest rates because the Federal government insures the loans. Always compare an FHA loan with other loan types. </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><strong style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; ">Helps You Keep Your Home:</strong></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "> </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">The FHA has been around since 1934 and will continue to be here to protect you. Should you encounter hard times after buying your home, FHA has many options to help you keep you in your home and avoid foreclosure. </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">FHA does not provide direct financing nor does it set the interest rates on the mortgages it insures. For the best interest rate and terms on a mortgage, you should compare mortgages from several different lenders. In order to initiate the loan application process, please contact an FHA approved lender. </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">An FHA insured mortgage may be used to purchase or refinance a new or existing 1-4 family home, a condominium unit or a manufactured housing unit (provided the manufactured housing unit is on a permanent foundation). </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><a style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; color: rgb(88, 95, 62); font-weight: normal; text-decoration: underline; " href="http://rpmmortgage.flexapp1003.com/LoanApp/English/?lo=Michael+Ertem">APPLY HERE to see if you are qualified?</a></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">Additional References</span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><a style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; color: rgb(88, 95, 62); font-weight: normal; text-decoration: underline; " href="http://portal.hud.gov/hudportal/HUD?src=/topics/buying_a_home">HUD's internet site </a></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">can provide additional information on FHA mortgages.</span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">You can also find an</span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "> </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><a style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; color: rgb(88, 95, 62); font-weight: normal; text-decoration: underline; " href="http://www.hud.gov/ll/code/llslcrit.html">FHA approved lender in your area here</a></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">.</span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">You may also wish to contact a HUD approved housing counseling agency in your area for unbiased and free counseling on your particular situation.</span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "> </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><a style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; color: rgb(88, 95, 62); font-weight: normal; text-decoration: underline; " href="http://www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm">Here is the List</a></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "> or call HUD's interactive voice system at 1-800-569-4287.</span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">There are also many local and State government programs available that use HUD and/or non-HUD funds to provide grants for the downpayment or to help pay closing costs. </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; ">To find out what programs are available in your area visit</span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "> </span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><a style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; color: rgb(88, 95, 62); font-weight: normal; text-decoration: underline; " href="http://www.hud.gov/buying/localbuying.cfm">Here</a></span><span class="Apple-style-span" style="color: rgb(62, 56, 42); font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 21px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "><br style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; " /></span>