I was unable to qualify for a regular loan due to being self employed and my income not being in tax returns. I was told by several national banks that no loan was available. I spoke to a friend who told me that Heath had loans that allowed for bank statements as income. After a short conversation with Heath, he said with 12 months of bank statements I would be able to purchase the home I really wanted. My interest rate was 5.375% and the only other option offer by anyone else was 12%! I had to put 20% down but all things consider I'm now a happy homeowner. Thank you to Heath and Susan for helping me when others wouldn't.