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/

Young ambitious, retired attorney who just quit his legal work to do real estate investing and real estate training full time.

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.

I just wanted to let you know that I did go to the NTAREI training seminar last night (it wasn't their regular monthly meeting) and I enjoyed it.

., USAW Performance Coach, nationally recognized personal trainer, post rehab specialist, certified Kettle bell & TRX Suspension Training instructor, motivational speaker and author.

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

You must not have been doing this for very long, or you lack thorough training. 

I trained with some of the most elite combat shooters in the world.