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| How can I buy a home if I have bad credit? |
With bad credit, you cannot buy a home the tradtional way with a bank or mortgage lender. In today's market, you need a nearly perfect file and a middle score ~650. As such, there are no guarantees. In fact, if you have good credit and a great application file for the jumbo loan (that is, a loan $417,000 or more) you need, you may not (today at least) get your loan. For reasons not related to you, lenders are not lending. You also do not want a bad loan.What you also may or may not know is that lenders hit you hard in other areas as well. Take a moment to read What You Don't Know About Getting Your Own Home Loan Could Cost You An Extra $169,116.81! Once we review and approve your application, we will help you with the keys to your new home. If you need time to improve your credit before applying for new financing, we will help you with a mortgage specialist. You now can try-out your new home and neighborhood
without the big down payment...without having your credit at risk...and
without bank qualifying. |
| How much option payment do I need? |
The amount of option (or down) payment depends on the price of the home your family desires. That is, the more expensive the home, the more down payment required. Generally, the down payment averages 1-3% of your desired home's price. 100% of your down payment is applied to the purchase price. |
| What other methods of down payment are accepted? |
Traditional lenders scrutinize the money utilized for your down payment. Unlike traditional lenders, the sellers we represent accept borrowed money for your down payment and are flexible on the source of down payment money. |
| Do you work with people low on required down payment money? |
It depends on your situation and the owner's approval. Since our program specializes in nicer homes in nicer neighborhoods, the purchase price determines the down payment. On occasion, we are able to negotiate a payment plan, allowing you to spread out a portion of your down payment over the lease term. |
| How does your Lease-Purchase, Rent-to-Own, Lease w/ Option to Purchase program work? |
From our inventory or from For Sale signs in front of houses in neighborhoods you desire, we help you find the exact home for your family. We then negotiate the best opportunity for you. Once you choose a home your family desires and we verify you can afford the home chosen, we can help you to lease-option your home for the amount of time needed. You then can 'try out" your new home and neighborhood and/or resolve any special conditions currently preventing you from getting your own financing. During the lease term, your family is able to make improvements and live in the home as if it is your own home. Also, you’re able to accumulate additional down payment and closing costs; you're able to check out the neighborhood, the schools, and shopping before committing to purchase your new home; you're able to sell another house; and, if applicable, you're able to establish the required work history and resolve any other obstacles before securing your own financing. |
| How do you qualify people for your Rent-to-Own program, and how long does it take? |
| Qualifying for our program is not lengthy. We typically need only 24-48 hours to approve your application. To qualify, please review the following criteria: |
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| How long does the process generally take before we can move in to our new home? |
For home we currently have available in inventory, you can receive your keys within 72 hours. If your new home requires us to negotiate with the property's seller, you typically can receive your keys within 30 days. |
| The home I wanted has been sold. Can you find me a home based on our criteria? |
Yes, we would be glad to search for your family’s dream home based on your criteria. Our homes go fast, which explains the absence of an extensive inventory of Available Properties on our website. We have a lengthy list of people who have asked
us to contact them if/when a home matching their interest becomes available. You are best advised to complete our Rent-to-Own Application, and fax us the completed form. From there, we will review your information and contact you to set up a brief meeting to match names with faces and to discuss exactly what you’re looking for in a new home, how quickly you are looking to move, and what you can afford. We will do our best to find your next home based on your criteria. We will work together to provide your family with its new dream home. |
| All of this sounds great…actually it sounds too good to be true. |
If you haven’t already read the Success
Stories , please do so now. The letters appearing in that section
have arrived from real people just like you...people who realize the
benefits of lease-optioning their new home. We will answer all your questions. You won’t
sign or pay anything until you are absolutely certain you’re making
the right decision. On the other hand, if you wish to point us to the exact home you desire, complete and fax our Rent-to-Own Application. |
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