I am the National Coordinator for HOAP HOMESWe currently provide a buyer the ability to buy homes regardless of credit. They must have 10% down and the ability to pay. * You obtain a 90% LTV Mortgage at 7% interest rate and 30 fixed term with no balloons.* 15% down rate is 6.5%* 20 down and your rate is 6%* Our homes are new construction or new and upgraded existing homes.* No limit to the number of homes you can buy.* Foreign buyers welcome with same guidelines.We can provide mortgage notes to interested properties seeking them at 70% min of outstanding note balance. Seasoned for 6-12 months.