To see if you qualify for Krystal Financial & Real Estate Services, Inc.’s
Homebuyer’s Assistance Program, ask yourself the following questions...

The most important factors in considering your application for approval is your honesty and your character. We can help you overcome any past problems as long as you are HONEST and UPFRONT with us about them. Being dishonest on your application is an automatic disqualification.

In addition to your honesty the following are other factors to be considered;


• Would you be comfortable with monthly lease payments of approximately 1% of the home's purchase price for 12 months... and monthly mortgage payments approximately the same (or a little lower) thereafter?
• Is your credit score 350 or higher? This means that your credit record can be less-than-perfect, with a few missed payments shown over the past 24 months. If you're not sure, give us a call and we'll help you find out your credit status.
• If you've gone through Bankruptcy: Has that Bankruptcy been discharged 6 months ago or earlier? Depending on the circumstances, having a bankruptcy does not necessarily disqualify you.
• If you've gone through a Foreclosure: Is that Foreclosure 6 months or more in the past? Depending on the circumstances, having a foreclosure does not necessarily disqualify you.
• Do you have in the bank...or can you get from friends or relatives...an amount equal to about 1st, last & security, to cover the required Option Fee? (Krystal Financial & Real Estate Services, Inc. cannot negotiate to purchase a home on your behalf until the Option Fee is conveyed in full.)

Application