Whether your buying your first house or looking for a second home or investment property we have you covered. Creative Lending offers all government sponsored mortgages. We have FHA/VA lenders that will even go below 580 credit scores with low down payments. VA & USDA loans have no down payments. We work with Lenders that will allow alternate forms of proving income, such as bank statements and Lease agreements. We can help you build tradelines on your credit report and get your score Higher. We have many avenues that will allow you to obtain a home with little or No down payment.