Of course! 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 all or part of your purchase price. There are a variety ways to owner finance and we specialize in working with buyers and sellers to create win-win situations.
Is Your Debt Ratio Too High?
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 that your new house payment added to all your other monthly payments, should not exceed about 40% of your gross income (that’s before income tax) for you and your spouse. Keep in mind, that does not include items such as 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 cant buy a home, because you cant 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. In fact income verification is one of the easiest problems to fix in the home buying process.
What About Our Lease Purchase 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. Saving enough money for a down payment while 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. Wouldn’t it be great if some of these monthly payments could have gone toward the actual purchase price of your home?
Now they can! With our unique “Lease Purchase program you can realize your dreams. The “Lease Purchase 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 Purchase agreement. This way, you enjoy todays affordable prices even though the final purchase of the home wont occur until later. Plus, you also know that the work you do in the home will not be wasted when the lease is over.
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. To see the homes that are currently available Click Here.
Do You Have a Downpayment, But Want To Get Owner Financing?
If you’re looking to buy a home and feel that owner financing is your best option, you’ve come to the right place. We have several homes available and are often free to work out special financing arrangements to suit your needs. We can 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. To get a list of homes to tour, click here, and even if we don’t have one available that you like, well add your name to our VIP list and well get to work finding your dream home.
Don’t procrastinate because beautiful homes like these, which you can buy with owner financing, are rare indeed. Obviously the demand is bigger than the supply. If you’re serious about buying now, your best option is to start now. It costs nothing and there’s no obligation. Just click here to look at the properties we currently have for sale.
Remember, regardless of whatever kept you from buying a home in the past, don’t let it stop you now! You’re talking to lease purchase with a large network of flexible sellets. We’re free to work it out between ourselves without banks dictating the rules.
So, if you have a downpayment and want a home of your own, click here.
The choices are simple:
Do nothing, and continue to make your landlord rich or click here to look at our attention renters information.
The choice is yours and yours alone. One more thing:
We keep a list of serious folks on file at all times, who are looking for a home. We notify these folks of new properties available first. They get the opportunity to buy them before anyone else even knows about them. Sometimes we do not even have a chance to advertise these properties on our web site. So, even if you don’t like one of our current homes, make sure you click here and we will get started helping you find the home of your dreams. It costs nothing to explore your options. Contact us to get you started on the road to home ownership. We provide a wealth of information on Lease Purchasing a home and Real Estate in general.
We Are A Real Estate Investing Company
Our company buys, sells, and rents homes. We will not be acting as your real estate agent or broker if we buy your house, sell you a house, or rent you a home. We are excited to potentially work with you directly OR if you are represented by an agent or broker. We are focused on improving neighborhoods and redeveloping areas that we work in. If you have additional questions on agencies please contact your local real estate commission.