My name is Kevin Alexander, President of the Apex Home Ownership Assistance Program (H.O.A.P).We are a local company based right here in Duval County FL that helps individuals and families achieve the American dream of home ownership. We do so by purchasing houses for cash and selling them to those same individuals and families with simple Owner Financing. We’re able to provide this service by utilizing our limited private funding and credit lines. Because we’re not a bank or mortgage company, our approval process is much less stringent. You can select almost any home, we can buy it using our credit line; and Owner Finance it back to you on a regular, normal market interest rate and term.