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The FHA plays a key role for first-time homebuyers, because it issues mortgages with as little as 3.5 percent down payments and accepts lower FICO credit scores than many other lenders. South Florida.
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The company is a major participant in the Home Affordable Refinance Program (HARP), the government program created in 2009 to assist underwater homeowners in refinancing their mortgages. PennyMac also buys loans from banks and other lenders, using its industry expertise to help customers restructure their mortgages so they can stay in their homes.