Bill Matunas

scratch with no money is going to be very difficult to do,#8221, said Bill Matunas, a branch manager with Stockman's Bank in Kingman.

045, it can be equity in their home, it can be equity in other situations or other assets, this kind of thing, so they're still going to be looking for 20-percent equity, similar to what the bank's approval is," he said.

if they#039,ve had credit problems in the past, this type of thing, it's going to be somewhat difficult to get approval," he added.

Bill Matunas, Manager

3825 Stockton Hill Road

Kingman, AZ 86409