A non-profit agency offers this mortgage deal to thousands of people each year. They organize FREE workshops to learn about this program every month in different cities. I thought the first time it was a scam, but IT IS NOT.
While there are no income limits for using this non-profit agency, the group has garnered attention for lending to people that most banks would see as a risk -- people with little money in savings, an imperfect credit rating or a pile of debt.
Google NACA and you'll find it.