Creative financing generally does not include

The FHA 203(b) loan is a type of government-backed mortgage that allows homebuyers to purchase homes with down payments as low as 3.5%. This type of loan is considered traditional financing and is not typically classified as creative financing. Option B, seller financing, refers to a situation where the seller of a property provides financing for the purchase rather than requiring the buyer to obtain a mortgage from a bank or other lender. Option C, lease options, involve a buyer leasing a property with the option to purchase it at a later date. This can be considered a form of creative financing because it allows the buyer to control a property without needing traditional financing. Option D, wraparound mortgages, are a type of secondary financing where the lender combines an existing mortgage with a new one to create a larger loan. This can also be considered creative financing because it involves alternative methods of financing a property purchase.