I found a amazing program Wells fargo offers. All you need is a 580 score $600 out of the buyers pocket towards closing.. Wells fargo will donate $3000 for closing costs... One catch the buyer has to go to a class and it cost $30.00..

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Jeff - that's probably part of their "Emerging Markets" program to increase lending to people whose income falls below the median for their area. You may find that many buyers are "over income-qualified" for that program, but if you target your market appropriately, going after those with lower incomes, you could get a lot of people in homes, which is the whole idea, right?

Aloha,

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Scott Coffman
Kailua Mortgage LLC

Jeff,

What is the program called? I would look at the rates no such thing as a free ride. We use lenders who will do 100% at 560. Then the may qualify for a gifting fund. Which could go towards closing costs.

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BANK of America has a similar program called Neighborhood Advantage if you bank with them inquire.