With 3-5% down as an Option-to-Buy Fee you can qualify for our “Homeowner in Training” Program giving you time to improve your credit and build up your necessary down payment.You can earn a fixed monthly credit toward your future down payment.Once your credit has improved or you have accumulated enough down payment you can qualify for a traditional low rate bank loan or you may choose to convert to our easy qualifying “American Dream” Homeownership Program.This program is perfect for those with credit issues or those who haven’t saved enough down payment or just want to “test-out” the neighborhood, the schools or the house.Also see Our “American Dream” Homeownership Program