Let's face it: the traditional way of buying a home in Memphis is broken.

You save up for years. You find a place you truly love. You can already picture your kids playing in the backyard and family gatherings around the dinner table. Then you walk into a bank, sit across from an officer you've never met, and watch them stare at a computer screen. A few minutes later, they tell you "no" because of a credit score from three years ago or a missing document buried somewhere in your paperwork.

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