Welcome !
We Are Dedicated To Finding You A New Home
We are not realtors, nor are we bankers or loan brokers who get paid to find you a loan.
We own the homes we offer for sale and rent to own.
And because we do, we can offer flexible and creative financing solutions structured to fit your personal situation and individual needs.
Do you lack all or part of the customary 20% downpayment?
Do you have credit problems?
Have you been turned down for financing?
Are you lacking all or part of the downpayment?
Have you filed bankrupcy?
Divorce?
Are you self employed?
Don't let these common challanges stop you from achieving the American Dream of home ownership!
Did you know that in today's economy, more than two-thirds of Americans haven't qualified to buy a house in the traditional way? Even if bankers have turned you down before, we have innovative financing programs that can help you buy your own home.
Here are some answers to the most commonly asked questions:
Q: I Have Damaged Credit – Can I Really Buy A Home?
A: Yes! Even if your credit report is less than perfect, you can buy a home. Sometimes all you need is a creative seller and a flexible lender to help make your dream a reality. Some lenders specialize in funding people with credit problems. They will bank on you if they can reduce their risk by loaning a smaller amount of the total purchase price. To make up the difference, either the buyer brings a larger down payment to the deal, or the seller can help by financing a second mortgage to bridge the gap. There are other ways a seller can help you actually repair your credit, so that you can qualify for a better loan when you buy your home. One of these approaches is for you to rent the home you intend to buy for a year or two, establish a record of timely payments that the seller can document for the lender, and then complete the purchase of the house.
Q: I Have no Down Payment - Can I Really Get Home Financing?
A: It may surprise you to know that we've helped other buyers get into their homes with no money down. If your credit and your monthly income are reasonably good, we have special programs designed to help you buy your home, even if you don't have a big savings account established for your down payment.
Q: I Do Have A Down Payment - Can I Qualify for Owner Fianancing?
A: 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 arrangments to suit your needs. Credit issues, debt to income ratio, difficult income verification, and many other factors can prevent deserving people from getting bank financing. We have a little more discretion to make special arrangements than the banks do. Let us tailor a program that meets your specifications.
Q: What if my credit is bad; I have no down payment, I have a lot of credit card debt and I have very little monthly income? Can I qualify to buy a home?
A: Probably not at this time. But if you sincerely want to own your own home in the future, and you are willing to work to reach your goal, we can advise you on the right steps to take to get you there.
Q:Please Explain How the Rent to Own Program Works.
A: If you are still renting, but trying to put aside enough money to buy your own home, you know how hard it can be to make that big change in your life. It isn't easy to pay rent and all the other costs of living and also save money for a down payment. When you don't own your own home, you have few ways to protect your hard earned money at tax time, and no appreciating asset to help build your financial future. Unexpected expenses, health care costs,even a brief period of unemployment can cut into your savings and make buying your own home seem forever just out of your reach.Now what if you could rent the home you want to buy until you were able to purchase it? And what if part of every rental payment could be applied as a credit towards the actual purchase price of your home? Wouldn't it be easier to reach your goal?
Here are some of the advantages of rent-to-own:
Minimal up-front cash outlay is required
You have flexibility - you chose when - or if - to purchase.
You have a way to resolve credit issues and raise your credit score while building equity from day one.
You can take advantage of rent credit to put aside up to 30% of your monthly rent towards the downpayment of your home.
You can qualify more easily for financing
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 like these, which you can buy with so much flexibility are rare indeed.
Remember, regardless of whatever kept your from buying a home in the past, don’t let it stop you now! You’re talking to the owner direct, not a realtor. We’re 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
*or*
Become a homeowner yourself and imnvest in your own future.
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 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.
