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hey this is chris trapani the mortgage pro you know people ask me all the time hey chris you know i just dont show on my income taxes how much money i really make or i cant prove it for a number of different reasons whatever the reason is i have an answer for you heres how it works it is a minimum of 15 down payment and a minimum loan amount of 200 000 please dont come to me and say hey 150 000 loan cant do it minimum loan amount is 200 000 and it is 15 down now how this program works is like this you need to have reserves the money has to be in the bank you have to have adequate reserves whats adequately reserved well it all depends on your credit score this loan goes as low as a 640 fico score but you might need 18 months payment saved after you close but if you have a 760 fico score you might only need six months payments in reserves so no we dont look at your income yes we do look at how much money you have in the bank no we dont ask where do you work we dont care on this