One of the biggest American dream is home ownership.  Before all of these programs came alone, couples would work hard for a couple of years to save for a down payment.  There were times when they would live on one income while the other put their money in a savings account.  Now there are no money down programs that can help you get into debt fast with no accumulated equity.  People are finding themselves trapped and foreclosure is at an all time high.  We at Sidney Charles Retirement Services have created a Home Equity/Down Payment program that literally pay for the total home.  How is that possible?  If a couple have the discipline to save 20% of the total of the home, we can help them.  We would take the 20% and invest it in one of our matrix.  This investment will return to cost of the mortgage.  Every month we would pay your mortgage just off the 20% down payment you invested with us.  We can also do this with your equity assuming you have 20% of the total cost of the home.  The most fascinating part of this program is that the 20% down payment or equity will always be your to take out anyime you need it.