All you have to do is meet these basic requirements:

• 6 months on the job or if you have changed jobs recently, it must be the same type of work.
• $600 gross income per week (paycheck before taxes) and this can be joint income.  (The other income
  does not have to live in the household.)
• No previous credit is required, many types of problem credit can be overcome, even if you've had a bankruptcy - as long as the bankruptcy has been discharged for 2 years.

You also may qualify for buying the home with $0 down. Or you can pay the standard 3% of the price of the home.  In many instances, first time home buyers elect to use a special program or gift (from a close relative) to pay for the FHA required 3% down payment.  That means $0 out of pocket!

Heard enough?  All you have to do is simply fill out our Pre-Qualification Application.  Within 48 hours you will be contacted by one of our Sales Staff.  It's that simple.  There are no obligations and it is completely free of charge.  What have you got to lose?  Let us help you enjoy the American Dream.

Common Questions:

Q.  We have had past credit problem and are sure we won't qualify... Why should we even bother trying to get credit?
A. Very few families made it through the 80s or 90s without suffering some type of blotch on their credit. You may be amazed to learn how many home-lending programs there are for people just like you. For instance, the federal government through its FHA program actually helps people to qualify for, and receive home mortgages, plus, many of the lenders have loosened up their requirements.

It is recommended that you share your credit history with your loan officer, and allow them to help you find the right program. If you have decided to get your credit in order, and are ready for a new home, your loan officer can probably get you approved.

Q. We have some collections that are not yet paid off... Will that prevent us from getting a mortgage?
A. Probably not. Your loan officer will help you work with your creditors, and in some cases, get the collections paid off or, at the very least, get your collections reduced at the same time you start your new mortgage.

Q. I am afraid that all these special credit conditions will mean a much higher interest rate that we won't be able to afford.
A. History shows that probably won't happen. The FHA government programs have the same rate for almost everybody. Under these programs, you won't be paying a higher rate because you have some credit issues.

Q. We really don't want to start this process and be turned down again... How can you help us?
A. With ArborWood Homes, the first step is easy... …usually a brief meeting with your loan officer. They will do a quick
"Pre-Qualification" and run your credit report so you can see exactly what the banks will be seeing. The loan officer may
then advise you on the different avenues of financing available and show you how you can achieve a successful outcome in the mortgage process.