We started off by leasing a home with Robert because our credit rating was bad. Robert referred us to a credit company and gave us alittle advice on getting a mortgage in a yr. He said save all your rental check payments of 1400 a month and we also opened 2 more credit trade lines. 12 months later we did get a loan approval and purchsed a home through FHA. 3.5% down and the home we are in now is 200.00 cheaper than the rental property we were in. The seller contributed 4500.00 towards our closing cost. We only put down 3.5% Its not a brand new home but its our home and we are planning on adding a pool in 2012. Robert stuck by us 1 yr and helped us when noone would talk with us because we had credit problems... Highly recommend Robert.