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* Low down payment, as low as 5% down payment * No mortgage insurance, No PMI, No MI * One year income, one year tax return in most cases * Refinance, no cost, no point no fee * FHA, 3.5% down, no upfront mortgage insurance, no upfront PMI * Stated Income, 30% to 40% down, no income documents needed to provided * Free pre-approval letter for making purchase offer. * Owning a house is not a dream any more, you can do it with 5% down, no mortgage insurance and using only 1 year's income.

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