Let's put it this way Landon. You may be confused when you say that you wouldn't risk your money, yet when someone provides you with something you would otherwise have absolutely no way of getting because the risk ultimately falls on the provider, are you a victim or are you the beneficiary of the strategic efforts of a company willing to take a risk on your obviously blotchy financial history.

Enough is enough with the sentiments. If you are going to provide advice to someone with a question, my advice would be to have a better solution than to criticize a company's grounds for doing business and it's standards for risk assessment and time / money management when dealing with otherwise credit unworthy applicants.

If you would like to have a more technical discussion with me to further your understanding of sub-prime mortgage origination and business principles when dealing with high risk clients, please call me@ 480-719-0000. I challenge you to do your homework before calling as to not dilute the integrity of our conversation.

Yeah I can't seem to get a straighforward answer out of them either. Apparently they don't refund you the money as one person told me yesterday when I called about potentially buying a home soon. I asked if for whatever the reason is I can't get into a home is the money I out into this refundable? And the said "if you take your car to a mechanic and fix a problem but something else starts actingbuo and you ask for you money do they refund that?" so I take it they don't give you your money back no matter how much you put down. Which looks like can be a lot. I'm not sure I want to risk putting even $50 let alone an upfront $499 down payment. I hope this isn't a company trying to bank off of the messed up situation that is getting into a home with a felony record. He did tell me the only thing they don't do is help is people with child molestation charges or any kind of sexual charges which is understandable.