We are not only Realtors but we’re also the actual owner of several lovely homes which are available for purchase. In most cases since we own the homes, many times (depending on your circumstances) we are willing to finance all or part of the purchase ourselves or lease option to you. All the normal rules concerning credit, debt ratio and proof of income 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, here’s what it comes down to. If you’re truly interested in buying a home of your own, I’ll 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. If you have very bad credit and no money – unfortunately we probably can’t help you. On the other hand, if you have some money but have lost your credit, we can probably help you buy a home now. Please look at all the facts before you decide that you can’t 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 couldn’t 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! You’ll be glad to learn that you actually can buy a home with damaged credit. In fact, it’s quite common. To do so requires a flexible seller who is willing to help finance part or all of your purchase price. We can not only finance you but we have a credit repair program to get back your credit.
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 45% of your gross (that’s 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 doesn’t show on your credit report, it probably won’t count against you as a debt. We can accept debt ratios that exceed the norm.
If You Can’t 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 themselves in the home of their dreams within 30 days.
What About Our Lease Option Program?
Are you tired of making monthly rental payments? Think of all the money you’ve 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.
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 won’t finally purchased the home until later. Plus, you also know the work you do in the home will not be wasted when the lease is over.
Best of all, through this program, while you’re living in your home of the future, you’re also building equity, improving your credit, and putting yourself in a position where home ownership is not only possible, but easy.
You may also like to do some repairs yourself in exchange for a reduced price on our work for equity program.
This unique program truly makes homeownership a possibility for anyone with something to work with. See the homes that are currently available.
Do You Have a Downpayment, But Want To Get Owner Financing?
If you’re looking to buy a home and feel that owner financing is your best option, you’ve 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 don’t 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.
Don’t procrastinate because beautiful homes you can buy with owner financing are rare indeed. If we didn’t own them, we couldn’t offer such easy terms and obviously the demand is bigger than the supply. If you’re serious about buying now, your best option is to start now. It costs nothing and there’s 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, don’t let it stop you now! Again, with most of our properties we’re free to 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:
click here to look at our attention renters information.
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 don’t like one of our current homes, make sure you get on our potential buyers list click here. We will also accept anything on trade.