At Horizon Realty, Mike Payne leads a team of dedicated, licensed professionals who will help you buy your new home.

For 16 years, Mike taught and coached high school students.

After years of part-time real estate investing and helping buyers and sellers, Mike left the classroom to pursue real estate full-time. .

"Working with young people is extremely rewarding, and I forever will respect and admire the work teachers do. I'm still helping people...only my subject matter has changed. Real estate, as with teaching, is a people business. It's also all about results...when you search for your new home, you want a Realtor who will get you get the keys," Mike adds.

Enjoy Your New Home As You Improve Your Credit!

Mike's team works with many buyers who cannot bank qualify, allowing them to get the keys to their new homes using the the lease-option.

"The buyer rules the housing market today," Payne adds. "Buyers today...even buyers who can bank qualify...are choosing to lease-option their new homes. Why? Because they are not risking cash or credit by lease optioning instead of buying outright. The lease-option quickly is becoming today's preferred home-buying 'tool'."

For people who need reliable, affordable & effective credit repair, Mike recently launched http://www.fixmyuglycredit.com -- a "classroom" helping people just like you fix your own credit.

"For years, we searched for reliable credit repair companies. Regardless of cost, we tested many, many companies promising to fix our customers' credit. To our shock, not even one company did what it said it was going to do. They gladly took the money but left the bad credit."

"More shocking, however, is that some of those people reported cases of Identity Theft resulting from credit repair companies. This became really scary," Payne states.

"The Busy Person's Credit Makeover"
Will Show You--Step-by-Step--
How to Fix Your Credit and Feel AWESOME at the same Time!

People who are ready to improve their credit now have a step-by-step, easy-to-understand & affordable solution.

You do not have to continue paying outrageous interest rates, security deposits & hearing "NO" when applying for credit.

You can (and should) fix your own credit *as* you live in and enjoy your new home. Do not expect credit (dis)repair companies to take your money and fix your credit. From our experience, they really only excel at taking your money.

Whether you have ugly credit or A+ credit, we want to help you buy your new home.

A Special Thank-You...

Mike adds, "When our customers refer us to their friends and family, that is the ultimate gift. We appreciate the trust and confidence you have in us."

Apply Now for Your New Dream Home!