Conventional with down payment

     You're probably easy.  Call for rates.  

Conventional with zero down  

  .  With Seller Financing -- Credit scores as low as 500.

  .  With 100% Bank financing --  Credit scores as low as 560.

  .  Bankruptcy OK -- One day old is enough in many cases.  Call for details

  .  Programs For self-employed, fixed income, low credit scores, been turned down by other lenders, seller pays allowable closing costs.

  .  Down Payment Assistance Programs Available -- Call for details

FHA click for more information

   The original idea of an FHA loan was to help first-time homebuyers with  moderate to low-incomes own homes  by providing incredibly reasonable and achievable mortgages.  This has changed.  Now FHA offers loans to everyone, regardless of income.  This type of loan is officially considered a 3% down mortgage; but your down payment, closing costs, and pre-paid costs can come from a gift, another secured loan, a retirement fund, an investment, 401K, or any number of approved sources. Past credit problems are probably not an obstacle, as long as they are resolved and over one year in the past. You could have had a Chapter 7 bankruptcy as recently as 2 years ago and still qualify.

  VA click for more information

   We are thankful for your service.   A VA home loan is another zero down  mortgage. The loan amount is 100% of the sales price of your new home, plus the VA funding fee—the loan amount is slightly higher than the price of the home! Loan costs can come from a gift, another secured loan, a retirement fund, an investment or 401K, much like an FHA loan. In most cases, the seller will pay your closing costs and pre-paids. Why would the seller do that? Because when the price of the home can be adjusted, it actually doesn’t cost the seller anything. You don’t need perfect credit to qualify, but you need to provide an original Certificate of Eligibility and a copy of DD-214.