Specialty Programs Most people do not realize how many programs are available to help them qualify for a home loan. The main criteria for qualifying for a loan are income, debt, credit and job history, and current assets. Borrowers weak in any of these areas are often surprised to find there are loan programs designed specifically to address their weakness. Higher interest rates and other conditions may apply, depending on the issue. Specialty programs are currently available in the following areas: A. Zero Down Payment B. Stated Income C. No Income D. No Assets E. Poor Credit Contact a loan counselor at (916) 635-6737 to find out the details of the programs available and determine which will best apply to your situation.