美国采购需求：抵押贷款，批发贷款，非合格贷款/更优惠利率，轻松获得资格，顶级抵押贷款机构

I'm interested in your QM Community Loan program for first-time homebuyers and would like to gather more details. Could you provide information on the minimum down payment required, the current interest rates, and any associated fees for this program? Additionally, I'm curious about the maximum debt-to-income (DTI) ratio allowed. This info will help me evaluate the program better. Thanks!