Our clients have been through all sorts of financial difficulties, including bankruptcies, foreclosures, short-sales, medical issues and divorce. As long as you have a demonstrated commitment to repairing past credit issues and a pathway to mortgage qualification, we can work with you. While every client's situation is different, applicants should meet the following minimum standards: Minimum 12 months from Bankruptcy discharge; 24 months from a Foreclosure or Short-Sale. Minimum Credit Score of 480, with a clear path to reaching 620 within 36 months (don't worry, we can help you get there); Minimum gross household income before taxes of $4500/month, and applicants must be able to show 2 years tax returns by the time they apply for a mortgage. Based on standard FHA down payment guidelines, we require that you have cash equal to 3.5% of the purchase price in order to enter the HALO program.