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[–] 1 pt (edited )

"one must be a first-time homebuyer and a first-generation homebuyer"

Who in the world is an actual first generation home buyer? Where were they living before?

This translates to "Must be able to produce as little identification paperwork as possible."

[–] 1 pt

Me: Hi, I want to buy a home. I have No Income, No Job and no Assets.

Bank: Yes, you qualify for our NINJA program.