Yes! You CAN Own A Home – We Can Help!
We are not realtors who are selling someone else homes, nor are we bankers or loan brokers who get paid to find you a loan. We’re 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, here’s what it comes down to. If you’re truly interested in buying a home of your own, we’ll show you several options that can get you in a home of your own. 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 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. Please let us look at all the facts before you decide that you can’t qualify to own a home.
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 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.
What About Our Rent-to-Own 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? Home ownership 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 “Rent-to-Own” program you can realize your dreams. The “Rent-to-Own” program allows you to rent and occupy a home – while at the same time building equity towards the sale price that we set the day you sign the “Rent-to-Own” agreement. 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 home ownership a possibility for anyone with something to work with.
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 (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 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 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.
If You Have Nothing To Put Down, Can You Really Get Financed?
It may surprise you to know we’ve helped many other people just like you buy a home of their dreams with little or no money down. If your credit is 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 people buy a home with little or no money down.
Do You Have a Down payment, 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 people from getting bank financing. However, this may 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.