Apply      (applications are not processed at this time)

The house must be a detached existing-single family home with a minimum value of $400,000. Applicants must make or hold a minimum 10% down payment and the home may be financed only with a single mortgage having a fixed rate of at least seven years. The cash requested may not exceed 20% of the appraisal by the lender or by our independent appraiser. The cash requested, less the 5% origination fee, is paid to home buyers through escrow at closing after receipt of all the required documents. Existing home owners have to pay for the full home appraisal and be gainfully employed.

The house must be in a prime-residential market, i.e., having the potential for an above-average price appreciation based on the area's economic growth, home inventory, price trends, and of course location. Of particular interest are coveted suburbs with first-rate schools, recreation facilities, and commutes to growth cities.There is no annual service fee, no accrued interest, and no payment required for five years.

There is a non-refundable application fee of $85 for the research to determine if the house meets our investment criteria. Therefore, we urge applicants to consult their real estate agents about the potential appreciation before applying. You should also refer to your professional advisors with regards to relinquishing a portion of your capital gains on the home. After receipt of the following application, you will be informed of our decision within five business days.

(Application form to be inserted here)