Ø       Accountant Saul recognizes the low interest rates and purchases a home using an 80-10-10 mortgage.  He uses DpFunder to earn the ten percent down payment and invests the cash he didn’t have to spend.  He is paying a blended rate of eight percent but receiving eleven percent on his investments. 

Ø       After just graduating from college, Sally has high back-end ratios and doesn’t qualify for the home she wants to buy.  She has a $400 a month car payment with a balance of $5500.  She can use the money earned from DpFunder, to pay off her car loan and qualify for a larger loan amount. 

Ø       Recently divorced, Greg has a medical charge-off from six years ago and doesn’t have enough money to pay it.  Greg can use the money he earns from DpFunder to pay off the debt.  Therefore, he qualifies for an A paper mortgage. 

Ø       Mario and Serena are buying their first home.  They have enough for a three percent down payment but it would leave them without any cash.  They can use the DpFunder program to earn the funds they need for a down payment and keep their cash to buy furniture or have a little reserve. 

Ø      Terrence and Wilma are moving up to a larger home, now that their family has expanded with three children.  They net fifty thousand from the sale of their home.  However, they still have to pay mortgage insurance because, with closing costs, they still don’t have twenty percent.  Terrence and Wilma use the funds they make through DpFunder to bridge the gap, to a more affordable loan product. 

Ø      Tina is buying a six unit rental property and was shocked to find out that the bank is requiring a thirty percent down payment.  Tina was only willing to deplete her savings to put twenty percent down.  She can use the money she earns from DpFunder to put down the other ten percent. 

Ø       Architect Dale has grown his business and wants to buy an office, instead of leasing.  The bank will only give an eighty percent loan.  Dale doesn’t have enough cash to complete the purchase.  Dale convinces the seller to take back a ten percent second and uses DpFunder, along with his savings to purchase his office. 

Ø       Jose and Maria have saved up a substantial amount of cash but do not have a bank account.  They were able to use DpFunder to earn sourced funds for their down payment. 

Ø       Marco was given a “refer” from DU when trying to qualify for a 3% down mortgage. By using money he earned through DpFunder, he was able to increase his down payment to 5% and get an "accept" through DU.