 The first mortgage is an FHA loan and the second has no payments and no interest and is forgivable after five years. The best part of the Bright Start loan program is there are no income restrictions, requires a minimum FICO of 620, and you don't have to be a first-time home buyer. Indigo Mortgage is your trusted local mortgage company. So if you in the market and are wanting a true zero down mortgage loan, call us at Indigo Mortgage today and let's see if you qualify for our Bright Start 100% financing mortgage program.