Read Me First
Instructions…..Read Me First
We’re the owners 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 and we can be very creative with the financing and structure it to fit your needs. We also lease option homes and some in as-is condition at a discounted price if you’re willing to do the repairs.
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 very bad credit and no money – unfortunately we probably can’t help you. On the other hand, 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 now. Please let us look at all the facts before you decide that you can’t qualify. Fill in the Your Next Step form and submit it to us.
Remember, we own the homes. We can do whatever you and we agree to make it work. 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! Keep reading to see some of our most frequently asked questions.
You Have Damaged Credit – Can You Buy A Home?
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. We also work with a great company to clean your credit score to get you qualified for a loan and at a better rate.
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 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 themselves 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. We can also lease you the home until you can verify your income.
If You Have Nothing To Put Down, Can You Really Get Financed?
Frankly, if you have no money and very bad credit, there’s nothing we can do for you. However, 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 folks buy a home with little or no money.
What About Our Lease Option 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? Homeownership may seem to many to be an impossible dream. 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.
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 actually 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 and all the money you spend on materials can be applied to your down payment.
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. Read the Q & A concerning our Work For Equity Program beside this letter.
Do You Have a Down Payment, But Want To Get Owner Financing?
We can also 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. If you have some money now and want to build up a down payment over time, check out our Down Payment Growth program. Even if we don’t have a house available that you like, we’ll add your name to our VIP list and we’ll find one as soon as possible.
If you’re serious about buying now, your best option is to start now. It costs nothing and there’s no obligation. Just submit the Your Next Step form you see here or call 502-230-1434 if you don’t see one.
Remember, regardless of whatever kept you 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.
- Read the Q & A form concerning our Work For Equity Program.
- Complete the simple application and Your Next Step form and send to us today.