@David ChanIt could be an issue with the Zip program you're using.

There are plenty of other programs as well, but that is who I am most familiar with.

I might be able to get by on government programs.

As long as your credit is good (I think around 650), you can borrow money from P2P sites.4. secured Personal line of credit - if your credit is NOT so good, and you have some assets like Certificates of Deposit or stocks, talk to your banker about opening a SECURED personal line of credit.

Is there in any programs like this in Kentucky to help me help others?

I’ve done a little additional research and learned that FHA has a program to reduce the principal owed on a mortgage.

If she used a pay site for her certificate, they may reject it. 

Once they have this information, they can discuss the options that they have for you - FHA, Conventional with 20%+, conventional with less than 20%, grants, etc.The main things you'll want to know are:- What loan programs do you offer?

As long as they focus on the program, work hard, and put the time needed into flight school too. 

Vacant properties also are targets for vandals and squatters, and often require special higher rate insurance.The program with this arrangement is agents lose the incentive to actually show there property and present offers.