We Are Dedicated To Finding You A New Home

You Have Damaged Credit, Can You Buy A Home?

Is Your Debt Ratio Too High? Just How Much Home Can You Afford?

If You Can't Easily Verify Your Income, What Options Are Available?

What About Our Lease Option Program?

Do You Have a Downpayment, But Want To Get Owner Financing?

You Have Damaged Credit, Can You Buy A Home?

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  requires a flexible seller who is willing to help finance part or all of your purchase price.  We can not only finance you but we have a credit repair program to get back your credit.

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 45% 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. We can accept debt ratios that exceed the norm.

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.

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. 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.

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 finally purchased the home until later. Plus, you also know 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.

You may also like to do some repairs yourself in exchange for a reduced price on our work for equity program.

This unique program truly makes homeownership a possibility for anyone with something to work with. See the homes that are currently available.

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 since we own them, we are 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, fill out our application form, and even if we don't have one available that you like, we'll add your name to our VIP list and we'll find the one as soon as possible.

Don't procrastinate because beautiful homes you can buy with owner financing are rare indeed. If we didn't own them, we couldn't offer such easy terms and 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.
Remember, regardless of whatever kept your 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.

So, if you have a downpayment and want a home of your own, call us or complete online application and we will contact you right away.

The choices are simple:



The choice is yours and yours alone. One more thing. We keep a list of serious folks who are looking for a home on file at all times. We notified these folks of new properties available first. They get a shot at them before anyone else even knows about them. Sometimes we do not even have a chance to advertise them on our web site. So, even if you don't like one of our current homes, make sure you get on our potential buyers list.  We will also accept anything on trade.