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The main purpose and/or attraction of obtaining a 40-year mortgage is the idea                           
of enduring a lower monthly payment.  The loan is essentially stretched over
40 years rather than 30, which increases the ability to afford more house.                                                                                        

Program Highlights:
Federal Housing Administration now offers a 40-year mortgage modification option for borrowers who
are struggling to save their homes over set finantial setbacks related to 

Minimum FICO score 680
Maximum LTV 95%