With 3-5% down as an Option-to-Buy Fee you could  possibly qualify to purchase a home in the next year giving you time to improve your credit and build up your necessary down payment.

You can earn a fixed monthly credit toward your future down payment.

Once your credit has improved or you have accumulated enough down payment you can qualify for a traditional low rate bank loan.

This program is perfect for those with credit issues or those who haven't saved enough down payment or just want to "test-out" the neighborhood, the schools or the house.

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