If you have filed an income tax return for the last two years and are currently employed without of lapse of employment of 2 months within the last two years, I can help you get qualified.  No one should think that they can't qualify for a home due to bad credit, low credit or no down payment.  Your dreams of buying a home are over.  I can help you realize your dream of owning a home.  Please call me, Gloria Grazier at Prudential Penfed Realty for more details without any obligations at 210-391-7614.  You may also text me or e-mail me at gloria.grazier@penfedrealty.com.  Thank you!