*Lower Credit Score Approvals- As of now, I can help buyers with credit scores as low as 500 get approved to purchase a home. You will need to put a down payment of 10%. *203k Loans- loans up to 110% of the appraised value for those houses that need some repairs. This is a good loan for Auction Bidding homes that need repair. *Builder Programs- allows buyers to lock their rate for up to 12 months! Gives buyers a peace of mind as well as help builders avoid turnover. This is a option some banks give that is good because (0 comments)