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Some
people are tenants by choice. But most people would
prefer to enjoy all the benefits of owning a home if
at all possible. It can be the single most important
investment you ever make. A lot of people's personal
wealth is made up mostly from equity they've built through
years of responsible home ownership.
We believe that buying a home should be at the top
of your goal list. And, we have a number of homes for
sale right now with flexible owner financing. Our unique
approach to selling houses can help you achieve the
reward of owning your own home faster and easier than
going the traditional route. Here are the benefits you
can enjoy by working with us:
You can move fast
When you buy a home from us you can move in quickly
and easily. Most of our properties are available immediately.
You can get into one of our homes in just a few days
with our flexible owner terms or set a date further
out.
Compare that to buying an owner-occupied home through
an agent. How frustrating! First, you have to qualify
for a loan which could take 3 to 8 weeks. We require
no bank financing. Then you have to coordinate your
move subject to the schedule of the seller. Look out
if the seller wants everything contingent on them getting
into their new home. Their deal can fall through at
the last minute stopping you or delaying you from moving
in. That can become a nightmare if you've already lined
up a moving van, or given notice to your landlord, or
sold your previous home.
You can avoid bank hassles
Banks and mortgage lenders are picky. They prefer to
do only the easiest and safest loans. Trying to please
them and jumping through all their hoops can drive you
nuts. It is especially difficult when your credit is
less than perfect or your debts seem too high to the
lender. Or maybe you're self-employed or new to the
area.
Our owner financing programs make buying easy. You
enjoy the peace of mind of having a solid move-in date.
There are no last-minute lender requirements to stop
us from closing or moving you in. Depending on what
you want and need, we can even make you a loan to buy
or rent the home to you until closing. Start enjoying
your new home even if you are still raising more money
to put down.
If we decide the best option is to rent to you until
we close, you'll have some breathing room and no pressure.
We can then work with you to get a favorable bank loan
or help you build up the down payment required to close
with easy owner financing.
Own your own home...now!
Don't be forced to throw your money away on rent just
because you need time to get a bank loan. Each month
you get nothing but receipts...with no equity build
up... no tax benefits... no appreciation... and no pride
of home ownership.
Are you tired of maintaining and fixing up a house
you don't own? Do you want more privacy in a bigger
or better house?
Even if you don't have perfect credit... or a large
down payment... or if you're self-employed, there are
loans available for you. Whatever your current situation,
there's probably a home loan that is just right for
you. And we'll "walk across hot coals" to
get you in one of our nice houses, even if it means
financing you ourselves.
Work directly with a creative and flexible seller
Start enjoying all the benefits of owning your own
home. Have lenders and brokers told you that you can't
qualify?
We're a local real estate investment company specializing
in helping families buy a home without the normal hassles
of going through the bank qualifying process. We have
nice homes in all sizes, locations and prices. As the
owner, we can offer several unique programs that can
help you buy a home, even if you don't have the proper
financial picture or credit history to please a bank.
Our lending criteria are vastly different from a bank.
We'll take into account the circumstances that may have
damaged your credit in the past. We'll fairly evaluate
your present employment situation and currents debts.
In most cases, we can find a method of financing you,
getting you into one of our houses.
Trade repairs for equity or down payment
Would you enjoy working on your own home, doing repairs
or remodeling? Do you have time, skills or materials
already? Would you prefer to decorate a home to your
own tastes, not ours? From time to time we buy several
homes that were once beautiful and valuable. Now, these
homes are run down and don't look like much. But with
a bit of work, some love and care, and some talent,
these houses could be beautiful homes once again. These
"fixer-upper" properties offer a great opportunity
for you to trade work on a house for equity. Part or
all of your down payment could come from work that you
do to your home. The homes offered in this manner go
quickly, so let us know if you'd consider a home that
needs work.
Buy with no money
If you're in a position to qualify for a new mortgage,
we may be able to help finance your down payment and
closing costs. If you can qualify for 100% financing
now, we may be willing pay your closing costs. You could
get in with no money down.
Some of our buyers can qualify for 95% to 97% bank
financing. In those cases, we might recommend one of
several "home buying grant programs" available
without qualifying. These grant programs can "gift"
the 3%-5% down payment you need to close.
Get a new home with a small down payment
There are a lot of creative things we can do even if
your credit is less than perfect... or you lack local
employment history...or your income is hard to prove...
or you have another house for sale... or you're stuck
in a lease... or you've had a bankruptcy or foreclosure...
or you have outstanding collections.
And when you don't have enough money down to close
with seller financing, we have several other programs
to give you immediate ownership benefits. Our "lease
purchase" or "rent to own" program can
get you into the home of your choice with a small down
payment.
This program offers a creative way of helping you build
equity and enjoy market appreciation. We'll then work
with you to get you closed as quickly as possible with
the best mortgage and terms. In the meantime, you can
be enjoying your new home, sprucing it up how you want.
Since you're in the process of buying the home, we have
few concerns about smoking or pets.
Then show off your new home and experience a new sense
of pride. You'll have the time needed to qualify for
traditional financing, establish your income, clean
up your credit, build up your down payment or pay off
debts.
No reason to wait!
Many tenants are willing to live somewhere that does
not reflect their preferred lifestyle because it's "temporary."
Don't put up with noisy, unkempt, and sometimes frightening
neighbors. Or inefficient heating systems or poor maintenance.
Or undesirable schools. Or rising crime rates. Or what
about the landlord who shows up with little or no notice...
even entering your home without your knowledge?
When you're in a home of your own, you have more freedom
and peace of mind. You deserve to live better. Let us
help you improve your lifestyle now!
Stop living in a house that is too big or too small.
Stop putting up with uncooperative landlords. Stop getting
by in a house that's too hard to maintain. And stop
spending your hard-earned money on rent when all you
have at the end of the year is a pile of receipts.
Quickly qualify for the best permanent mortgage
The credit reporting services most lenders rely on
can be unfair. Rarely does your credit report reflect
your true ability to borrow money and keep your agreements.
The Fair Credit Reporting Act gives you certain rights
and the ability to reestablish damaged credit. We work
with several top-notch companies who specialize in helping
you raise your credit rating.
If your credit history needs improving, it may take
3 to 12 months to get you qualified for a very favorable
mortgage through a bank or mortgage lender. The good
news is that we may be able to get you into a nice home
now while one of these companies can be handling your
case. Our owner financing programs are designed to give
you the time you need.
Another way we can help is to refer you to a professional
mortgage broker who'll examine your current income,
credit and debts. Then they can tell you what's available
now or in the future. They'll give you suggestions and
a plan putting you in the best position to get approved.
No longer will getting a new loan be a mystery. Having
time and a plan to work on your financial situation
can save you tens of thousands of dollars in the long
run.
Is owning within your grasp?
It's the American dream. Some people will never achieve
it. But most people do not have the opportunity you
have right now. Let us help you buy a nice home sooner
than you expect. Get on our Buyer's List today! Let's
see if we have an attractive home now that fits your
budget and lifestyle. A home you can move into quickly
and easily, with or without bank qualifying. with or
without a down payment.
If one the homes available now doesn't get you excited,
then we'll keep looking, notifying you of our new properties
as they become available.
There are several easy ways to find out if we have
a home for you:
1) Go to Online List of Homes for Sale
There's no cost or obligation. We don't charge a fee
to get you into one of our homes or to help you explore
your options.
Joining
our Buyer's List is free.
If you're spending your money on rent now, or if you're
like to buy a better home, let us help you. We select
several of our properties each month to sell for cash,
or with a new loan, or with flexible owner financing.
You may be able to get into a new home without bank
qualifying, without a substantial down payment and (in
some cases) with no money down.
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