Those people who had a recent bankruptcy discharge

Those who cannot get a mortgage today

Self-Employed Individuals

Anyone who would qualify for an expensive mortgage, (estimated at 25% of all loans) incurring up to double the payment of our monthly payment

Working couples who have good income and some savings, but whose credit score is still below par

Divorced Individuals who have good to excellent income, but whose credit scores were negatively affected during a divorce

Recent college and graduate students with solid incomes but little credit history

Employees whose companies participate in "Employer Assisted Housing" programs

Immigrants with strong incomes and little credit history