- taking their first step into homeownership;
- uncertain if they will own their home for more than five years;
- not wanting to commit to a large down payment;
- tentative about committing to a 20 or 30 year mortgage;
- looking for low cost financing in today’s market;
- seeking lower monthly payments;
- transitioning careers, self-employed or with less than 2 years work history;
- with concerns about their credit or lack of credit, and those;
- wanting a long-term secured lease rather than a short-term rental.



