In reply
I am happy that you are one of the more fortunate in this world that does not "need" a program of this sorts...Perhaps you know one of the 80% of the population who would benefit from this program. It may be hard for you to imagine, but 80% of the population does not have enough money for a small down payment, more or less closing costs.... With all do respect, I have the highest degree offered in my field, and graduated Magna Cumm Laude.. I also work for the top mortgage firm in the state, and I promise you, I would not be where I'm at today if I didn't truely care about the "80%". Thank you for your concern, you advice has been noted.
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