They do 5 and 10 yr balloons - 10 years is nice to extend.But here's the turnoffs to both their programs.1) Rates are high - 6.5% to 7% (firstkey lets you pay 3 points to buy down rate to 6.25% or something like that which seems really price).2) Entity creation is required.  

It looks like they would qualify for the first time homeowners programs in NJ.http://www.njhousing.gov/dca/hmfa/homeownership/buyers/faqs/

I'm interested in the Vacant to Value program. 

If you do business with them you wont have to worry about what neighborhoods to stay a way from as if your investment performs poorly they will make sure you are successful with all the guarantees and promises needed in order to make a low quality property perform like a good one.I have copied the link here where you can see that the lifetime guarantee is part of their program.

What program/software are these reports coming from @Anmmar Alsaggaf?

I have bought programs, went to every seminar I can find.

I purchased Chris' program a few months ago and Im ready to start again.

They also have the diamond program, so you know what loans they are already servicing.

Like other new investors, I'm planning on using the fha program to owner occupy a multi family home.Today I went to go see a three unit building in Naugatuck, CT and was I in for a big surprise! 

Is this a great program?