The perfect book for the millions of prospective home buyers who don't think they can scrape up enough for a down payment, or get approval for a mortgage. Bestselling author and noted real estate expert Bob Irwin shows readers that there are ways to buy that home even when it looks like you can't afford it! This indispensable guide covers everything from income analysis (you may have more than you think!); No Down and Lo-Down Financing Programs; Mortgages for People with Bad Credit; Creative Ways to Cover Closing Costs, And much much more!