Do you have a customer that has payment history but no credit? We can use alternate credit, such as: Cell phone bill,insurance payments,home telephone bill,cable bill,satellite bill,water bill,electric bill, just to name a few. These are all acceptable lines of credit that normally do not report to the credit bureau. A customer may be renting now and we may be able to use that rental history too. This is a loan program that has been set up to help a customer with as little as 3% down to buy a home. We have helped many people reach the dream of home ownership. If you have any questions, give me a call.