I work with a Lender that provides one of the best home purchase program in America. As of 5/3/2012: They provide FREE personalized and comprehensive counseling to Members to address your particular credit and financial issues and help determine a mortgage payment that you can afford. The counseling and underwriting criteria are â€œcharacter-basedâ€ and not based on credit scores and ratios. This enables them to fulfill their mission of assisting working people like you who otherwise do not have access to affordable credit. Consequently, the vast majority of the Members are low- to moderate-income many of whom have neither perfect credit nor substantial savings.
No Down Payment,
No Closing Costs (The Lender pays them and does not include them in the loan),
No Lender Fees,
No Pre-Payment Penalty,
No Mortgage Insurance,
No Perfect Credit,
Fixed 30 year below market rate at 3.5%
If you would like more information please contact me.
Have a GREAT evening!
Vivien L Biggs PLC
Prudential Arizona Properties
Check MLS for homes on my website