Everyone dreams of owning a home. The feeling it inspires in us is probably unmatched and difficult to describe in words. Your home is a haven that shields you from the roughs and tumbles of the outside world. It is also your proclamation of owning your share of the planet. But owning your home is not a simple task. People work hard all their lives yet fail to save enough to buy a home. The skyrocketing real estate prices have put the desire to have a house of your own beyond the pale. You have resigned yourselves to the fate of living in rented homes for the rest of your lives.

Earlier, one way of realizing your dream of having a roof of your own above your head was a bank loan. You made 10%-30% of the down payment, the bank financed the rest of the required amount, and you paid monthly installments to your bank. Then came the Lehman Brothers collapse of 2008, and the world of finance went under a tectonic shift. The economic depression triggered by the global financial crisis has made banks wary of giving loans to customers who have bad credit scores.