A very unique program designed for those buyers that can not yet qualify for a traditional loan, but want to purchase a home. We can do this both with traditional paystubs/W2's or qualify with bank statements. For those that don't have traditional credit, alternative credit can be used, (utility bills, etc). Potential buyers must document 3.5% down payment and sufficient amount for monthly payments. We can do this program on all current FHA approved property types. You start building equity from the day you close, and there is no required timeline for you to be able to purchase. There is a 1% 2nd lien placed on the property that is completely forgiven after 10 years with no monthly payments required on it.  580 credit score preferred but NOT required. With compensating factors, lower scores are approved. Call for details!