Buy a home without bank qualifying!

Most people would prefer to enjoy all the benefits of owning a home if at all possible. It can be the single most important investment you ever make. A lot of people's personal wealth is made up mostly from equity they've built through years of responsible home ownership.

Our unique approach to selling houses can help you achieve the rewards of owning your own home faster and easier than going the traditional route. Here are the benefits you can be enjoying by working with us:

When you buy a home from us you can move in quickly and easily. Most of the time you can be in a home in less than a week!

Let's compare that to buying the conventional way. First you have to qualify for a loan, which could take 3 to 8 weeks. We require no bank financing. Then you have to coordinate your move subject to the schedule of when the loan would be done.

Sometimes you may never get into a home if you have to rely on the banks to approve you. What would you do if your deal fell apart at the last minute? That can become a nightmare if you've already lined up a moving van, or given notice to your landlord, or sold your previous home.

Seller Financing is the best solution for you!

First of all a lot of people will mistakenly think that we are doing Lease Options or Rent-To-Own programs. This is NOT one of those programs. This is Seller Financing. What's the difference? First of all in a Lease Option or Rent-To-Own program you are still just a tenant that has an option at one point or another to purchase the home.

Many people make the mistake of thinking they own the home when they do Lease Options. The truth is you are no better off than renting. You don't have any more rights but most likely you will have more responsibility. You will have to put down "option money" that goes toward your future purchase. If you can't qualify then you loose your option money.

Seller Financing is so great because you own the property from day one. The seller is now your mortgage company, so instead of paying a bank you are paying a private individual. Seller financing has been around longer than banks have been. This is the oldest yet most under used and least understood way of purchasing property.

• With Seller Financing you have every right to the property.
• Your name is the one on title.
• You get all the benefits now - not later like those other programs.
• You enjoy the peace of mind in making improvements because it is your house.
• You own it! It's NOT just an option to own it later.

That is why we are here. We are on a mission to show you the consumer how you can own a home today without having to jump through all of the bank's hoops.

Avoid bank hassles

Banks and mortgage lenders are picky. They prefer to do only the easiest and safest loans. Trying to please them and jump through all their hoops can drive you crazy! It is especially difficult when your credit is less than perfect or your debts seem too high to the lender. Being self-employed or new to the area can also raise flags.

Our Seller Financing programs make buying easy. You enjoy the peace of mind of having a solid move-in date. There are no last minute lender requirements to stop us from closing or moving you in. We have 2 different programs that are sure to meet your needs so you can start enjoying homeownership now!

Our Seller Finance Programs:

1.   Short-Term

Our short-term programs last from 1-3 years and are the easiest to get. Before the end of the contract you will need to get a conventional bank loan. This program is a great temporary solution for those buyers who are working on their credit and will be able to qualify within the contract time frame.

2.   Long-Term

With this program you will never need to get a conventional loan. Our sellers are willing to carry you for a full 30 years! We are not talking about adjustable mortgages either. These loans have fixed interest rates. Because our sellers are willing to carry you for such a long time there is more to the approval process versus the short-term seller financing.

But don't let that stop you. You will be pleasantly surprised to know we can do long term financing with credit scores as low as 500! Not all of our properties qualify for this long-term program and needless to say they don't seem to be around very long! Get on our list to be notified when properties become available so you can act quickly.

We encourage you to fill out and submit our application for long term financing in advance so that you can be ready to go when a property becomes available.

Get in now!

Don't be forced to throw your money away on rent just because you need time to get a bank loan. Each month you get nothing but receipts . . . with no equity build up . . . no tax benefits . . . no appreciation . . . and no pride of home ownership.

Are you tired of maintaining and fixing up a house you don't own? Do you want more privacy in having your own yard?

Whatever your current situation, there's probably a home that is just right for you.

Never be told that you can't buy again.

We have nice homes in all sizes, locations and prices. We work with sellers who offer several unique programs that can help you buy a home, even if you don't have the proper financial picture or credit history to please a bank.

Our lending criteria are vastly different from a bank's. We take into account the circumstances that may have damaged your credit in the past. We'll fairly evaluate your present employment situation and currents debts. In most cases we can find a method of financing you by getting you into one of our houses.

Only small down payments are required. Most of our sellers that we work with only want 3%-5% down. That is nothing these days, as most banks want more than 10%-20% down for people with credit challenges. That is of course if you will even be able to qualify. Sometimes we even have sellers that are offering less than 3% down, which is unbelievable!

No reason to wait!

Many renters are willing to live somewhere that does not reflect their preferred lifestyle because it's "temporary." Don't put up with noisy, unkempt, sometimes frightening neighbors, inefficient heating systems, poor maintenance, or undesirable schools.

When you're in a home of your own, you have more freedom and peace of mind. You deserve to live better. Let us help you improve your lifestyle now! Stop putting up with uncooperative landlords. And stop spending your hard-earned money on rent when all you have at the end of the year is a pile of receipts.

What is my payment going to be?

Because you are going to own the home your payments are figured much like a bank would figure your payment. You will have an interest rate, property taxes, and insurance. And because everyone is different and the homes are all different your payment will be different on each house. We have had sellers willing to do interest rates as low as 4% on a short-term seller finance house. Yes, that is right, you could get an interest rate as low as 4%!

Most of the interest rates will range from 4% - 8%. Outstanding, considering you don't have to go through the banks to get those rates! We can even offer 4% fixed rates on our long-term seller financing.

Helping improve your credit

Once you're in one of our seller financed homes you'll have the option to work with a top-notch credit counselor who knows what you need to do to fix your credit so you can get a conventional loan for the long term.

If your credit history needs improving, it may take 12 to 24 months before you can qualify for a favorable mortgage through a bank or mortgage lender. Our owner financing programs are designed to give you that time you need without you having to sacrifice owning a home.

Another way we can help is to refer you to a professional mortgage broker who'll examine your current income, credit situation and debts. They'll give you suggestions and put together a plan to get you into the best position for approval at a later date. Having time and a plan to work on your financial situation can save you tens of thousands of dollars in the long run.

Already found the house you want?

With the market slower right now some sellers are willing to be creative and let you buy their home using this seller financing program that we offer. All you have to do is ask the homeowner if they are willing to do seller financing. If they are, send them to this website where they can learn more about the programs that we have available to sellers and how they can sell using seller financing.

We will take it at that point and explain to the seller how it works, and answer any questions that they may have. If the seller is willing to do seller financing at that point we will negotiate a deal for you, make sure that it will work for all parties, and prepare the deal for closing.

We know how important it is to have your own home. That is why we have created this great program that will solve your problems of not being able to qualify.

Some people will never achieve the dream of home ownership. Most people do not have the opportunity you have right now. Let us help you buy a nice home sooner than you expect. Get on our Buyer's List today! Let's see if we have a home now that fits your budget and lifestyle. A home you can move into quickly and easily, without bank qualifying.

If one of our currently available homes doesn't get you excited, then we'll keep looking, notifying you of our new properties as they become available. Let us show you how to overcome any home buying challenges you're facing. There's no cost or obligation. We don't charge a fee to get you into one of our homes or to help you explore your options.