Alabama Home loans Even with limited or spotty credit history you can reach your dream of homeownership:

Bad Credit does not mean you can own your dream home. We have many programs that can help you.

• As little as a favorable 12-month rental history required.
• An affordable 3% down payment - only 1% needs to be from your own funds and the balance can come from a gift or other sources.
• 100% of the closing costs can come from a gift or other sources.
• Less income required - expanded debt ratios make it easier to qualify.
• Fixed rate financing - enjoy the security of knowing what your monthly payment will be for the life of the loan.