We are Dedicated to
Finding YOU a New Home
We are not realtors who are selling someone elses homes, nor are we bankers or loan brokers who get paid to find you a loan. Were actually the owner of several lovely homes which are available for purchase. Since we own the homes, many times (depending on your circumstances) we are willing to finance all or part of the purchase ourselves. All the normal rules concerning credit, debt ratio, proof of income and yes, even down payments are thrown out the window. Since we own the homes, we can be very creative with the financing and structure it to fit your needs.
So, heres what it comes down to. If youre truly interested in buying a home of your own, Ill give you several options after this message. If we have a home you like and you have something we can work with, you can be in a home in less than 30 days. Just be aware that if you have very bad credit and no money - unfortunately we probably cant help you. On the other hand, if you have at least fair credit but little or no money or if you have some money but have lost your credit, we can probably help you buy a home now. Please let us look at all the facts before you decide that you cant qualify.
Remember, we own the homes. We can do whatever you and we agree to make it work. You can't imagine how many folks are now in a home of their own because they let us work our magic. Most thought they couldnt qualify and could never buy a home. They were wrong! Keep reading to see some of our most frequently asked questions.
You Have Damaged Credit Can You Buy A Home?
Of course! Youll be glad to learn that you actually can buy a home with damaged credit. In fact, its quite common. To do so often requires a flexible seller who is willing to help finance part of your purchase price. You see, there are a lot of lenders who specialize in financing homes for folks with credit problems. To reduce their risk, they may simply reduce the amount they loan. This means the buyer must have a big down payment or the seller must be willing to finance the difference on a second mortgage. Getting you a loan is generally not a problem, however finding a flexible seller who doesnt need all their cash immediately, may be more difficult.
Is Your Debt Ratio Too High?
Just How Much Home Can You Afford?
You may be surprised to learn how much of a home you can afford. Generally accepted standards say that your new house payment added to all your other monthly payments, should not exceed about 40% of your gross (thats before income tax) for you and your spouse. Keep in mind, that does not include items like insurance, clothing, food, utilities, entertainment, etc. You should add only those items with fixed payments such as cars, furniture, credit cards, mortgage, student loans, etc.. If an item doesnt show on your credit report, it probably wont count against you as a debt.
If You Cant Easily Verify Your Income, What Options Are Available?
If you feel you can't buy a home, because you can't verify your income, think again. Some of our happy customers felt the same way before contacting us, but they found himself in the home of their dreams within 30 days. There are several little known ways to verify income and many loans available that dont require it. In fact income verification is one of the easiest problems to fix in the home buying process.
If You Have Nothing To Put Down, Can You Really Get Financed?
It may surprise you to know weve helped other folks buy a home of their dreams with little or no money down. Conventional wisdom says it cant be done but conventional wisdom is almost always wrong. Frankly if you have no money and very bad credit, theres nothing we can do for you. However if your credit in a reasonably good, and you have provable income, we have several programs available for you now. These programs are brand new and not widely known and are designed to help good folks buy a home with little or no money.
What About Our Lease Option Program?
Are you tired of making monthly rental payments? Think of all the money youve wasted in rent over the last few years. What do you have to show for it? Homeownership may seem to many to be an impossible dream. Saving enough money for a down payment while paying rent or trying to secure a mortgage with a low paying job or bad credit history, are only a few of the obstacles that make buying a home seem so difficult. Wouldnt it be great if some of these monthly payments could have gone toward the actual purchase price of your home?
Now they can! With our unique Lease Option" program you can realize your dreams. The Lease Option" program allows you to lease and occupy a home while at the same time building equity towards the sale price that we set the day you sign the "Lease Option" agreement. This way, you enjoy the pricing and value of ownership today even though you wont finally purchased the home until later. Plus, you also know that the work you do in the home will not be wasted when the lease is over.
Best of all, through this program, while youre living in your home of the future, youre also building equity, improving your credit, and putting yourself in a position where home ownership is not only possible, but easy.
This unique program truly makes homeownership a possibility for anyone with something to work with. To see the homes that are currently available Click Here.
Do You Have a Downpayment, But Want To Get Owner Financing?
If youre looking to buy a home and feel that owner financing is your best option, youve come to the right place. We have several homes available and since we own them, we are free to work out special financing arrangements to suit your needs. We can provide owner financing for all or part of the purchase price, regardless of your credit, debt ratio, income verification, and other factors that prevent deserving folks from getting bank financing. However, this will require a down payment to make it possible.
Simply put, the more you have to work with, the easier it will be to get you in the home quickly, sometimes in just a couple of days, and under great terms. If you have a good down payment, the best thing to do is contact us now or call us to discuss your needs. To get a list of homes to tour, click here, and even if we dont have one available that you like, we'll add your name to our VIP list and we'll find the one as soon as possible.
Dont procrastinate because beautiful homes like these, which you can buy with owner financing are rare indeed. If we didnt own them, we couldnt offer such easy terms and obviously the demand is bigger than the supply. If youre serious about buying now, your best option is to start now. It costs nothing and theres no obligation. Just click here to look at the property we currently have for sale.
Remember, regardless of whatever kept your from buying a home in the past, dont let it stop you now! Youre talking to the owner direct, not a realtor. Were free work it out between ourselves without banks dictating the rules.
So, if you have a downpayment and want a home of your own, click here.
The choices are simple:
Do nothing, and continue to make your landlord rich
click here to look at our attention renters information.
Continue to be stuck in a home you want to get out of *or*
Get the ball rolling by viewing our homes that
are currently available and ready for your inspection.
The choice is yours and yours alone. One more thing. We keep a list of serious folks who are looking for a home on file at all times. We notified these folks of new properties available first. They get a shot at them before anyone else even knows about them. Sometimes we do not even have a chance to advertise them on our web site. So, even if you dont like one of our current homes, make sure you click on the my dream home button to help us get started helping you find the home of your dreams. It costs nothing to explore your options.