"The only reason someone might struggle with their finances is because they lack financial education."

There are only 4 things needed to to qualify for a home loan, the 4 C's:

Credit (Debt)

Capacity (Income)

Collateral (Home/LTV)

Cash (Reserves)

People who struggle to qualify typically need help with their Credit, Capacity, and/or Cash. They're either struggling with way too much debt or bad credit history, don't make enough, or don't have enough saved up for down payment and closing costs.

The real reason people find themselves in this type of financial situation is because they lack basic financial education. 

My name is Richard Le and I teach people how to build their credit and cash flow to qualify for a home loan.  If you're interested in building your credit and cash flow to acquire real estate click the button below to learn more.