Own a Home Regardless of Credit or Self-Employment
If you’re like most people, you dream about buying a nice home in a nice neighborhood. Well, here’s your chance to make your dream come true! If you can afford a reasonable down payment and monthly payments, you could easily qualify for one of our exciting home purchase programs!
Our easy-qualifying “Lease Purchase” Program moves you in today with a reasonable down payment and affordable monthly payments. We will work to help you qualify for traditional financing later or even finance you ourselves!
Our “Owner Finance Homeownership” Program allows us to owner finance 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.
Good, Bad or Ugly Credit is OK!
Perhaps one of these situations applies to you: self-employed, short job history, past (or even present) financial problems, bankruptcy, reposessions. Don’t worry, these problems don’t scare us!
We Are NOT Realtors®
We are not a real estate agency and are not associated with one. Unlike Realtors®, we have a financial interest in the properties we sell, so we are much easier to work with and are very flexible on terms.
Keep reading to see some of our most frequently asked questions.
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 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 doesn’t need all their cash immediately, may be more difficult.
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 (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.
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 don’t require it. In fact income verification is one of the easiest problems to fix in the home buying process.
It may surprise you to know we’ve helped other folks buy a home of their dreams with little or no money down. Conventional wisdom says it can’t be done but conventional wisdom is almost always wrong. Frankly if you have no money and very bad credit, there’s 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.
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. Wouldn’t 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 won’t 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 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.
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.
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 like these, which 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! You’re talking to the owner direct, not a realtor. 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.
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