PLEASE, PLEASE DO NOT DO BUSINESS WITH THIS COMPANY OR THIS OWNER. HE HAS CLOSED ONE COMPANY DUE TO LEGAL PROBLEMS (LOVE HOMES) AND OPENED UP ANOTHER UNDER THIS NAME. Do your homework, investigate the company and the owner thoroughly before you give him any of your hard earned money. He will not help you obtain a home, he will only take your money. Trust me, I know, I learned the hard way. He owed me a total refund of my money (this was court mandated) and he only made partial payments. He is not an ethical person. There is a very long involved story that will take up too much time/space here to tell you all the details. Suffice it to say, DO NOT DO BUSINESS WITH HIM. Thank you for taking the time to read this.