I recently attended a Neighbor Assistance Program Seminar and would like to share this information to you. This program offers homebuyer (FIRST TIME OR NOT) and homeowners an opportunity to buy a house with absolutely no down payment and no closing cost. It's also an opportunity for homeowners to refinance their predatory loan to a much a better rate of interest. Not only that, they are offering rates about .50% lower than your conventional financing. Is that true, you will ask me? I was doubtful myself that is why I spent almost an entire Saturday listening to what they have to offer. This is not a government program; this company is a non-profit organization that gets certain grant from this conventional lender in order to offer these types of loans. It is true but it's not that easy, you pay either way: the easy way with your dollars, or this way with your time. I will narrow down what I found out from the seminar, and this is something for you to consider if you qualify for it.

For purchasing a home, here are the requirements:

1. Currently, maximum sales price for

CONDO/SFR: $ 362,790.00

Two unit property: $ 464,449.00

Three unit property: $ 561,411.00

Four unit property: $ 697,696.00

2. Attend and graduate from their workshops

3. Complete evaluation forms and daily expense diaries.

4. Qualify for the house when evaluated, sometimes they will accept unconventional method of qualifying you for your income. For example, if you don