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Dawn Zurick

Dawn Zurick

Managing Broker (IL) / Broker (WI)

Team Lead / Regional Administrator

Certifications: e-PRO, GRI, SFR, SRS, CNE, BPO & CRB

Licensed in: IL/WI

Contact Information

Office Information

Location

1827 Walden Office Square, Suite 325

Schaumburg, IL 60173

Office Hours

Monday-Friday: 9am-5pm

Saturday: By appointment

Support Staff

Administrative: Jane Smith

Marketing: John Doe

Vylla

Emelie Maybrook

Photo

Branch Manager / Sr Loan Officer

NMLS 389504

Office: 1900 E. Golf Rd, Ste 950 - Office 4

Location: Schaumburg, IL 60173

Loan Information

Home Start Program

  • FHA 30-Year Fixed-Rate Mortgage
  • 5% Down Payment Assistance
  • No required borrower contribution
  • Available nationwide (except NY)

Qualification Requirements

  • Minimum 600 FICO score
  • Purchase only (no refinances)
  • Primary residences (1-2 units)
  • No income limits
Premier Mortgage

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Dawn Zurick

Photo

Managing Broker

IL/WI

Office Info

1827 Walden Office Square, Suite 325

Schaumburg, IL 60173

Hours: M-F 9am-5pm

Certifications: e-PRO, GRI, SFR

Emelie Maybrook

Photo

Loan Officer

NMLS 389504

Loan Options

Home Start Program

  • • FHA 30-Year Fixed-Rate
  • • 5% Down Payment Assistance
  • • Min 600 FICO score

Schedule a consultation today!

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FHA Loan Program

Key Features

  • Low down payment requirements (as low as 3.5%)
  • Flexible credit requirements
  • Lower income and credit score requirements
  • Mortgage Insurance Premium (MIP) required
  • Gift funds permitted for down payment

Eligibility

  • 620+ credit score recommended
  • 43% maximum debt-to-income ratio
  • Primary residence only
  • Property must meet FHA standards

FHA Loan Details

Mortgage Insurance

FHA loans require both:

  • Upfront Mortgage Insurance Premium (UFMIP): 1.75% of loan amount
  • Annual MIP: 0.55% to 1.05% of loan amount

MIP typically remains for the life of the loan if down payment is less than 10%.

Loan Limits

FHA loan limits vary by county:

  • Low-cost areas: $472,030 (single-family)
  • High-cost areas: $1,089,300 (single-family)
  • Limits are higher for 2-4 unit properties

Property Requirements

  • Must be in good condition (no safety or structural issues)
  • Requires FHA appraisal
  • Must be owner-occupied within 60 days