Countrywide's House America program is a versatile home loan designed to address a variety of financial situations, whether it's lack of cash for a down payment, lack of traditional credit history, or non-traditional sources of income.For instance, the Countrywide House America loan program includes many flexible and innovative "Special Features" designed to allow borrowers to1:
Use cash gifts from family or cash held outside a traditional savings institution to help with the down payment
Use other sources of income such as income from other family members to help you qualify
Use alternative payment records such as rent or utility bills to help you establish a favorable credit history
