SPOILERS:

Heart of Stone (2001) is a serial killer/thriller film. There is a ritualistic murder of a co-ed during the opening credits, then we see Angie Everhart preparing a birthday party for her daughter, who is about to start college. After the party, Everhart tries to seduce her own husband, who is frequently away on business. At this point in the film, about 5 minutes in, based on the man's character and the way they introduced him, I figured he must be the killer.

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Government agencies provide insurance to lenders, which reduces their risk and allows them to offer more flexible terms to those with "bad" credit. Federal Housing Administration

How to Buy a House with Bad Credit It's not all a lost cause, though. There are options for buying a home with poor or bad credit, Federal Housing Administration Bank of America Mortgage