General   If I have a bankruptcy, will I still qualify? Yes, if the bankruptcy is seasoned one year and no late payments since.   If I had a foreclosure, will I still qualify? Yes, if the foreclosure is seasoned one year from sale date per program guidelines.   Can I qualify if I live with my mother/father/son/daughter and combine our incomes? Yes, if this was an existing arrangement or, if a hardship has created a need for this arrangement, and the hardship can be documented. Must meet maximum household income.   Do I have to be a first-time homebuyer? No but can not currently own a home.   Does a condo or townhouse qualify? Yes.   I have some credit problems will I still qualify? Not-so-perfect credit and no FICO scores are ok. Lender will review each case based on program guidelines.   How do I assume the loan at the end of my lease? You need to make your lease payments on time, prove that you still have an income, and update the loan application with your current information. A 620 middle credit score is required at the time of assumption.   Can I get a tax deduction during my lease period? No, you’re a lease-purchaser during that time.   What if the house needs repairs while I am leasing? During your lease period, a home protection plan is in place. You pay a small fee for each service call.   How do I get a realtor or real estate agent? Locate the link "Contact Realtor/Estate Agent" on this website locate the name of a registered real estate agent in your city and call them. Please consider the area code of your choice to find a local agent.   How do I get approved for the program? Locate and call one of the participating lenders or mortgage brokers listed on our website. Please consider the area code of your choice if you desire a local lender or mortgage broker.