A down payment of 10% is possible, which can be forgiven after 5 years without payment. I have been a Mortgage and Real Estate Brokerage in Northern California since 1997 and I am licensed in Mortgage and Sales. You can check my credit broker status online at NMLS Comsumer Access. You can check my real estate broker status online with the Real Estate Department. Are you already a home owner who needs money? I work with many lenders so I can get loans at competitive rates to buy a property or refinance a home you own. Credit rating is only 580. I would like to earn from your business! Call now for my website address so you can get started with your loan application. Willie Bennett 916-370-0780 Broker DRE No. 01131110 Broker NMLS #1395481 Individual Broker NMLS No. 1965831 Business Call today! 916-370-0780