saw this when doing some home mortgage searching tonight. Im sure most folks are aware of this, but I can't recall a mortgage co actually spelling it out like this before. http://www.texaslending.com/FAQ.asp "Q: What if I am in CCCS? A: Most mortgage lenders consider CCCS the same as a Chapter 13 bankruptcy. If in CCCS for 12 months you may qualify for 3% down at single digit interest rates. Otherwise, you will have to cancel or complete the CCCS to qualify for conventional loan programs."