Jennifer is a legal secretary in Burlingame and part-time law student, her husband Andrew is a police assistant. They were renting in Foster City and loved the suburban feel and convenient location. They qualified for an FHA loan, but could not apply it to their condo. The HEART loan, with a downpayment requirement of 5% and no PMI, made their condo available and affordable. Find out about the HEART downpayment assistance loans here.