The key things to keep in mind are FLEXIBILITY and CREATIVITY.  Unlike a bank, we are NOT looking for reasons & ways NOT to help—we’re looking for a way and solution TO help!  And we can be creative in doing what it takes

How does your LEASE OPTION PROGRAM Work?

We can lease you the home with the exclusive right to purchase it at a later date. Our buyers love it because it gives them the time they need to save up for a larger down payment, time to clean up past credit problems, time to sell another home, and also time to try out the neighborhood before buying. 100% of your option fee/down payment is credited toward the purchase price of the home, plus you may be eligible to receive a monthly credit towards the purchase price every time you pay your lease on time.  

How much UPFRONT PAYMENT do I need?

We can offer you many options and we always do our best to work with whatever funds you have available. You can even start out on our Lease/Option program and then move to our owner financing program at a later date when you have the additional funds.

As a GENERAL rule of thumb, 2.5-5% of the overall price is a general starting point for our Lease to Own Programs.

Will you ever work with LESS than 2.5 – 5%?

There are always exceptions to the rule, when there are strong circumstances to support it.  For example:

• Extremely strong employment history
• Two strong income household
• Very Low Debt
• Strong Reserves (401K, …)
• Better than average credit
• Willingness to take a home in "just moved out" condition – do some of the fix up
• Can put up other collateral as security

We’re always willing to discuss options.  Send in an application

and we can tell you quickly what your options are!

What should I expect to pay MONTHLY?

Our goal would be for your monthly lease to be similar to what a decent mortgage might be, including taxes, insurance, & homeowners association dues, if any. 

Do you arrange owner financing for the homes you sell?

Yes, we sell many homes with owner financing or by creating Lease/Option situations. We also work closely with licensed mortgage brokers who work with many lenders to find the right loan for you.

Do I need to QUALIFY to buy a home?

We are not extremely interested in your past credit status. Your ability to make reasonable upfront and monthly payments and your desire to be a homeowner now is what is really important to us.

How can I buy a home when I have BAD CREDIT ?

You can't through conventional lenders, but you can with our help. We can setup owner financing or by creating Lease/Option situations to help improve your credit over time. We also work with mortgage brokers who may be able to arrange a loan for you.

 What other methods of down payment are accepted?

Unlike most lending institutions, we accept borrowed funds for closing. If you have a close friend or relative willing to lend you money for your down payment, you can use that with our programs. You may also be eligible to withdraw or borrow from your 401K to purchase a home without penalties. We also accept trades.

Do you offer DOWN PAYMENT ASSISTANCE  programs?

Yes, we do. Many times, if you are a bit short on your down payment, we can set up a monthly payment plan spread out over 6 to 12 months.

The home I wanted has been sold… can you find me another one?

Yes we can. Our homes go fast, so the best thing you can do is join our VIP BUYERS LIST.  You'll get access to properties BEFORE they get to our website!!   

Click HERE To Contact Us 

Tell us what you’re looking for, when you’re looking to move and we will do our best to find you your next home. As soon as a home becomes available, we will call or email you about the home.

Do you work with investors?

Yes, we can help you whether you are just beginning or if you are an experienced property owner. But we seldom finance non-owner occupied homes.  We can supply you with properties needing repairs at wholesale prices or those already repaired and with or without tenants occupying them.  We also partner with investors on homes for our program.

I LOVE THE HOME!!  What is the next step?

All we need is your application!   You can even fax it or EMAIL it to us for fast processing!  We often can get you APPROVED the SAME DAY!   CLICK HERE FOR OUR EZ APPLICATION !  We will then contact you within 24 to 48 hours. Please keep in mind that our homes go quickly, so time is of the essence.