We've talked a little bit about this in the past, but guys, there's something that you need to know on this one that is absolutely incredible. And that is mom and dad can be a non-owner occupant co-borrower. A little bit of a tongue twister there. But they can actually come in, help qualify from a credit and also from an income perspective. Not only that, it could be a sibling, another family member, step sibling that can help and be a non-occupant co-borrower.

You may be surprised at how soon after a bankruptcy that you can obtain a loan with FHA.  You can also get mom and dad to help out even if they will not be living in the home.

With Down payment assistance that will help your client's offer stand out in a multiple offer situation.

Cheryl and Clay are talking more about the various programs for down payment assistance in purchasing a home.

Cheryl and Clay are talking today about various way of getting Down Payment assistance.

Find out what it takes to keep your clients' sensitive information from landing in the wrong hands.

This segment on data security focuses on how to keep your email safe from hackers.  They want your clients' info.

Educating your clients about the risk of wire fraud is not only a good thing but absolutely necessary.  There are bad actors out there who will go to great lengths to get between your client and their money.

When it comes to data security sometime the things we leave on our desk can be problematic.  Keep your clients' info out of sight.

How well are you keeping your client's information safe?  Are you leaving information lying around for the wrong eyes to see?  Are you keeping your passwords secure?