Create a non-conventional home loan program for disabled veterans with low incomes not based on FICO or income.

1. Not based on credit.
2. Amount of loan limit based on income level (ability to pay back the loan.)
3. Low Interest.
4. Payment includes PITI.
5. No or low down payment. Recipients retain ability to apply for assistance as qualified.
6. Recipients must attend a bonafide first time homeowner’s course.
7. Recipients must be enrolled in the US Direct Express program.
8. Payments will be deducted from the US Direct Express card prior to remainder of benefits being applied.
9. Recipients already in the HCV program can remain in said program to pay off loan.
10. Recipients retain rights as any other homeowner