I'm so thankful to Christine at NVR Mortgage and the SC Housing program for helping me finance my first home. My biggest fear when being a first time homebuyer was securing the down payment. I have a great credit score and solid employment. However, having cash on hand for closing stood in my way of homeownership. While my original loan officer couldn't get me qualified based on my debt to income ratio, Christine took another look at my status and found a way to qualify...by paying off my car to reduce my Debt to Income! Now I own my home, own my car, and reduced my closing costs by thousands of dollars thanks to the efforts of Christine, the NVR Mortgage team and the SC Housing Program.