We are dedicated to helping you buy a home!
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!
Own a Home Regardless of Credit or Self-Employment
We are not Realtors, 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. When we own the homes, many times (depending on your circumstances) we are willing to finance the majority of the purchase ourselves.
All the strict rules concerning credit, debt ratio, and proof of income that you normally experience with banks are thrown out the window. With most of the homes available on our site, we have the ability to be very creative with the financing and structure a purchase program to fit your needs.
So, here’s what it comes down to. If you’re truly interested in buying a home of your own, click HERE to APPLY. If we have a home you like and you have something we can work with, you could be in a home in less than 30 days. Just be aware that if you have very bad credit and no money – unfortunately we probably can’t help you. On the other hand, if you have at least $5,000 to put down we can often help you buy a home. Please click on our Owner Finance Application on the left to get started. Before you decide that you do not qualify, give us an oppertunity to look at all the facts and see what we can do.
Remember, we have flexible purchase programs for almost any home advertised on our site. We can do whatever we both agree to make it work.
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 even if your current credit is damaged. In fact, it’s quite common for us to work with Buyers who have damaged credit. To do so simply requires a flexible seller who is willing to help finance part of your purchase price or offer a purchase program that gives you significant time to build your credit up. Over many years, you can often fix just about any problems with your credit in order to qualify for a traditional loan on a much later date.
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 of our purchase programs don’t require it immediately. However, if you are looking to get a traditional loan in the future, there are specific ways you need to document your income and we can get you on track immediately to fix it.
This usually applies to first time homebuyers or applicants with excellent credit. If this is you, 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 is good, and you have provable income, there are still programs available for you now. These programs are designed to help folks with great credit 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! Many of our homes offer a Lease Option program which 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 purchase 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 often have several homes available that we own and so 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 significant 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, (many of which have possible owner financing) 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 couldn’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 all the property we currently have and learn what programs we may available for you.
Remember, regardless of whatever kept you from buying a home in the past, don’t let it stop you now! You’re able to talk with someone with an ownership interest in these homes, not a Realtor. We’re free work it out between ourselves without banks dictating the rules.
So, if you have a down payment and want a home of your own, click here.
The choices are simple:
Do nothing, and continue to make your landlord rich.
Continue to be stuck in a home you want to get out of
Find Your Dream Home!
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