Ask yourself this; if you can get a loan without documenting your income or your assets and you don't need any credit and the entire purchase price is financed and the payments and costs are lowwer than anyone else, oh, and you just got out of bankruptcy a year ago, why isn't everyone in the world doing it? Better yet, if this really is better than sliced bread, why aren't the newsreporters banging down their doors and the people on the streets banging down their doors for the program?
The reality is, there are new rules that went into effect in January of this year. There must be a documented ability to repay the loan by the lender, and private lenders are not exempt from the rule. I find it very difficult to believe that ANYONE is offerring that product out on the market. I'm not saying it's not possible but highly improbable.