Stop paying rent, you can own your own home now
- Challenging credit is ok
- Purchase price is agreed on in advance
- Self employed and having issues getting approved for a loan
“Here Are The Details About Our Program”
If you would like to buy a home, but can’t qualify for a conventional mortgage, we can help.
I am a real estate investor and I buy and sell homes… I am not a real estate agent. I help buyers and sellers find alternate solutions to traditional financing.
It does NOT matter if you have bad credit, bankruptcy, late payments, judgments, liens, tax problems or charge offs, you can still buy one of our homes.
I locate “Off Market” houses available for lease to own.
Beautiful Homes Available
These are nice homes in nice areas with great neighborhoods and excellent schools. I am not in the fix and flip business.
Many of these homes have beautiful new kitchens and master bathrooms, big master bedroom suites, and big fenced in yards for the kids and your pets. Most of them have big 2 car garages and plenty of storage.
I’m going to show you the simple steps you can take to buy a home.
We make it very easy to own your own home… to have a place that you can claim as your own and be a proud homeowner. Nearly every one of our past buyers had been turned down by banks and mortgage brokers… even banks that advertised “bad credit okay.”
This web page will give you all the details you need to get into your new home quickly.
I locate sellers who are willing to sell their nice homes on a rent to own bases, and offer them to a list of buyers who are ready to move into these homes.
I don’t list properties on my website because they are usually sold by the time I get them under contract. It’s recommended that you add your name and contact information to my buyers list to see them when they become available. There is no cost for this and you are not obligated. When you see a home you would love to own, just let me know.
Once you are registered with us, you can also let me know what area you are looking in and I’ll look for houses in that area.
How We Structure The Deals You Will Be Buying From Us
We sell you the property “Rent To Buy.”
That means that you are buying the property from us. We lease the property to you for a specific period of time, usually 1-2 years depending on your situation, and during that time you have the option to buy it from us at a price that we both agree upon when you first move in.
You will also pay a “Lease Option Fee” when you move in and buy the house from us. This money will apply to the purchase price of the home and will reduce (usually eliminate) your down payment when you eventually take out a 30 year mortgage with a bank. The minimum “Lease Option Fee” that we accept is $2000 plus the first monthly lease payment. So if the monthly lease amount is $1050 and the “Lease Option Fee” is $2000, you will need $3050 to close the deal and move into the house.
Each property is different and has a different “Lease Option Fee” amount. When you register online, just tell us how much you have for the “Lease Option Fee” and we will try to only send you houses that fit those specifications.
It is our goal to help you eventually qualify for a mortgage and refinance the house, pay us off and put you on the deed. Remember, you do NOT have to qualify for a mortgage now.
What we want to do, is find out how soon you will be able to qualify… for some people, it may only be a few months… for others it may be a year or two years or five. It doesn’t matter to us how long it takes, but we don’t want to put you into a program that doesn’t give you enough time to get on track financially so you can get a loan when the time for that finally comes. We want to set everyone up to succeed.
And by the way, there is nothing that we haven’t seen before… you’re not going to shock us, no matter how bad your current situation. Remember, there were over 1 million bankruptcies in the United State last year alone… and a lot more people than that have bad credit. Our mortgage broker will just ask you a few questions about your income and your job (or lack thereof), they’ll pull your credit report to see if there are any surprises, and then, they’ll be able to tell us exactly how long you are going to need before you can get a bank loan.
Just a side note… and this is for maybe 10% of you out there. Sometimes, we discover that you qualify for a home loan right now… you may have thought that you had bad credit, but it turns out after we look at your credit report that the bad things on your credit that you thought were so bad, didn’t matter as much as you thought.
If this happens, it’s very cool because now your options open up… you can buy virtually any home on the market that is within your price range. Of course, we would still be happy to sell you one of our homes, but we also want to give you the opportunity to see what else is available out there.
What we will do is connect you up with a real estate agent… someone who works with buyers as their main job… someone who isn’t pushy, will take the time you need to help you find a property and will hold-your-hand through the process. We look very hard for good agents to connect you with… real pros. This agent will either meet with you in person and sit in front of a computer with you and pull you up listings or email you or they will snail mail you the listings. Whichever you prefer.
But remember… that’s only going to be for about 10% of you who are reading this page. What we REALLY do is work with the other 90% of you… that’s our expertise.
There are two ways to find a home
First… we want to sell you our properties. Every time we get a new property in the area you are looking, we’ll send you an email.
We have a lot of people like you who are actively looking for a home. So when we get a new home for sale, those homes move pretty quickly.
We just send the email to everyone at the same time and then it’s “first come, first serve.” Nothing else matters. First family who wants it, gets it.
So… as soon as you get your official “Buyer Registration And Qualification” email, we will start sending you properties to look at. Sometimes we may only have one or two a week… other times, we will have 15 or 20 a week. It all depends on how many houses we bought.
So… we’ll email you the address of the property and a brief description of it. If it looks interesting to you at all, we encourage you to go see it immediately. Drive by… we find that 75% of the time, you can tell if a house is for you by looking at the exterior and the yard and the neighborhood… or maybe it’s more accurate to say that you can tell that it’s NOT for you, by looking at the outside.
If it looks interesting to you, then it’s time to take action and call us. One of our people will schedule a time that is convenient for you both and show you the property. They will get you inside so you can look around at your leisure… check out the condition; get a feel for the size and the layout.
Okay… let’s move to the next step. It’s time to fill out the paper work. When you meet with our representative to view the property, they will bring all of the necessary paperwork. When you say, “We want it!”…our representative will fill it out and explain it to you.
It explains the move-in date, the price, the terms, the monthly payment, the length of the option and it lays out who is responsible for what, in the agreement and what happens if one of us defaults on the agreement. One of the valuable things we do is treat you like the owner as soon as you move in. We pretty much trust you to take care of the property like it was yours… after all, you are buying it… you just haven’t got the deed yet. It is in our best interest to see you succeed in the purchase of this home and that, by the way, is how we make the most money. It’s also a lot of fun to have happy campers around.
Now… If you don’t understand the paperwork, please feel free to take it to your attorney before you sign it. We will NOT pressure you to buy. We want you to be 100% comfortable with your decision. This is a legally binding agreement and you only want to sign it if you are fully and completely aware of what you are agreeing to.
Our representative has the authority to okay you as the new buyer of the home, but the only way the agreement is sealed is when you transfer the funds for the “Lease Option Fee” and the first month’s payment. We only accept certified funds to activate the purchase agreement… for example: a wire transfer, a cashiers check or a certified check… we can not take cash.
The reason we do this is because we do not want to tie up the property in an agreement with someone who ends up not being able to come up with the money or who needs more time to make a decision. We may have others waiting in line for a chance at that property and it’s not fair to them if we let someone tie up a property without being truly serious or capable of closing. As I mentioned before, it really is “first come, first served.” With that said, you might want to drive to your bank with our representative, right then and there when you sign the agreements and have a cashiers check drawn up to “secure” the property for you and culminate the deal.
With all that said about “Securing” the property… just remember, that we don’t want you to feel pressured to make a decision before you are ready… we will always get more properties next week if you aren’t 100% sure of this one.