How can we help you become a HOMEOWNER?
Trying to buy a home can be like trying to run through a maze while blindfolded! But after reading this Special Report, you may very well be able to move into a beautiful home in 7 days.
While we can't promise that we have just the home you're looking for, we can tell you we're constantly finding more homes and making them available. Nice homes in great neighborhoods… the kind you want.
We're property investors that buy homes and make them available to people like you. We recognized the growing need that nearly 64% of families face. That need is the ability to buy the home they want and meet the requirements of lenders.
By providing our own financing for 12 to 36 months, we help you, the home buyer, 'bridge' the time you need to build equity in a home and meet the requirements of the conventional lenders. We help you save for a home while experiencing home ownership.
Is This You?
Trying to move out of your current situation and into a desirable home can seem like you're swimming upstream: You keep trying to improve your financial profile and just when you think that you can make the move, something happens that forces you back into the same old situation.
Lenders don't seem to understand. They expect perfect credit, lots of money in the bank and then maybe, and I mean maybe they will 'consider' whether to give you a loan.
So you put off buying a home and you rent. You become frustrated knowing that you're not helping your family. You want another bedroom, more space, a back yard, a 2-car garage, etc.
Once you begin renting, you never seem to be able to save any extra money for the loan financing requirements. The banks won't let you use 'borrowed' money for the down payment. And just when you think you've got enough for a down payment, the rent goes up… or you need a bigger apartment… or whatever. And then you're back at square one, living in the same cramped place with the same neighbors. Wondering if you'll ever have the kind of place you deserve.
You deserve better!
If you feel crowded now, what's it going to be like next year, or later? Maybe you're tired of living with relatives. Maybe you need space for your growing family. What if the rent gets raised by 20%, what will you do then? Move out? Find another temporary space?
Financial advisors talk about planning for the future, but you're having trouble keeping up with the present.
You sure don't receive any tax breaks for paying rent!
Maybe you could avoid those 'new home expenses' by moving into a home that's a couple of years old.
If you could only find a complete house where you could live for 2 or 3 years while you improve your financial profile… then you could afford that bank financing.
A home that has all the extras included; a home where part of your payments goes towards the purchase.
Like we said, we're property investors. We buy and sell real estate as a personal investment, so we know the difficulties homebuyers' experience when they try to get home financing. That's why our program is successful.
You may still be in the “thinking about it” stage. Maybe you've tried talking with a lender… maybe you haven't decided you're ready to go that route yet.
While it can't hurt to talk with a lender now, do you have the financial profile suitable for a new loan? After all, we know that the lenders want only the cream of the crop? Right. I'm sure you heard the phrase, “banks only lend money to people who can prove that they don't need it!!”
We've found a trend setting way to get you over the hump of home ownership. Here's how it works…
While you're building your financial profile, you'll be living in an attractive home. Not renting. You'll be leasing your home and part of your lease will build equity that can be used when you purchase the home.
We offer a proven way to beat the lenders' system
Sometimes the reasons you can't get a home aren't so good at all… bankruptcy, divorce, job loss. We can deal with these issues.
Thinking about buying can quickly become wanting to buy… and it's amazing how fast “want to” can become “have to”. Whatever the reason, it puts you in a pickle.
What if we told you that we had a nearly new home, complete with all the extras that could be yours?
No sweat on the credit… we've got seller financing in place. No problem with the down payment; we can accept borrowed funds and our terms are flexible. No problem with the location; we offer homes in the nicest subdivisions. We can probably wrap up the whole thing within 48 hours. Would you perk up a little if that were the case?
We don't know how much you make, how much you can afford, or any of that. Those details can be handled when you contact us. After getting your facts, we'll tell you what the lenders look for, and give you up to 36 months to meet those requirements. One thing is for sure: You'll meet most of the lender's equity and down payment requirements using our program.
What we do know… and what you should know, is…
If you call us at 302-275-1061 and give us the facts, we'll either tell you on the spot we can't help, or help you find the home you deserve. Either from our current supply or from ones that we're looking to buy.
We buy and sell property. For your situation, we'll probably offer several homes and payment plans. That's so you can choose the one that best suits your needs.
The homes we offer are in great condition. When you select one, you will immediately begin improving your financial profile. The same profile that will meet the lender's requirements for finding permanent financing when you're ready.
Each of our homes gets a thorough review. They are in move-in condition. If something needs fixing, we fix it before we make it available. If something major goes wrong during the first 60 days, it's covered under our lease agreement. No need to worry about financial 'surprises'.
We want to make you a homebuyer, and we'll show you how to do that while you're living in your next home.
You'll be living in a beautiful home in a great subdivision. Your lease payment will cover all taxes and real property insurance. If the taxes go up during the lease period, that's our problem. If real property insurance goes up, we pay the increase. You'll take care of the home just like it was yours, including making the improvements you want. Like adding a deck or building a fence. You know those things that give you Pride In Your Home. What's more, you'll exercise your option to buy the home when you're ready.
Look, like we said earlier, people lease homes for various reasons. Maybe it's a job change that requires a move. Maybe it's a company downsizing that creates the problem. It could be bankruptcy or divorce… or you could've won the lottery. Perhaps you're tired of the same old neighborhood… you need something bigger… marriage or birth. Whether you're moving across town or across the US, to a new home or to an apartment, you've got other things to concern you. We'll take care of your housing needs with a great home.
I'm not a cynical person… this is reality. Granted we don't know your particular reasons for needing a home, but we do know how to get you the kind of home you deserve as quickly, and as professionally as possible. We handle all the paperwork to lease you a home. In fact…
Here's the game plan to lease you a home that you can purchase…
Based on the location and kind of home you need, we'll suggest homes that we have available. We'll tell you the monthly payments, down payment, and how much equity you receive each month. We'll tell what your future income should be for typical financing. You'll be establishing your credit by making your payments. Then you can select the lender of your choice to apply for a permanent mortgage and buy the home. But you'll have from 12 to 36 months to meet with them.
Once you make the down payment, you'll begin building equity. Each month that you make your timely lease payment, your equity continues to build. You can buy the home anytime during the lease period…no need to wait until the end of the lease.
Please don't misunderstand or assume that we can correct your credit problems. Our program lets you live in a great home while you correct any credit problems or bruises. We've worked with all kinds of circumstances and have been thoroughly trained to create solutions after so-called “experts” have given up and quit.
Again, if you call in the facts, we'll tell you within five minutes if we can help.
Benefits to Buyers
Just in case you wanted to know why our program is so successful, we're including a summary of benefits.
These are a few of the benefits for home buyers who want their home now, but know that their financial profile will be much better in the near future. We let these people make payments on a fine home and then when they have improved their equity, credit or financial profile, they can qualify for the type of mortgage that they want. This makes it much simpler for nearly 64% of the people who have trouble qualifying for Class A mortgages.
Not everyone wants to know all the details of how we work, but just in case you're interested, we'll tell you exactly what we do.
The 'Lease to Own' Process
Usually we begin with your phone call to find out some preliminary information concerning the type of home you want, preferred location and financial information. Our interest in your financial profile is to assure that as best we can determine, you'll be able to purchase one of our homes by the end of the lease. (Remember we want you to buy the home).
Next, we'll give you the addresses of a couple of homes that meet your preferences.
After you've looked at the homes and reviewed the area, we'll go over the specific terms of our lease and option to buy paperwork.
Based on your desired date of possession, we can frequently wrap up the entire process in less than 7 days. If you need longer and want us to hold the home for you, frequently we can accommodate that.
A word of caution. Because we make home buying so easy, our homes don't last long. If you select one of our homes, don't delay. Homes like ours don't last long.
We can be flexible on our date of possession. But we do follow the 'first come first served' principle.
But What About…
We're sure that you have questions. Here are a few of the more commonly asked questions, with answers.
How much of a down payment will I need”
That depends on your monthly payment, gross income and the price of the home. However, a range can be as low as $4,000 or up to $10,000 for most of our homes. Remember, we can accept borrowed funds and can give you up to 45 days to make the down payment. However, we want to avoid characterizing our down payment as a 'security deposit' applied by a renter.
We heard about an Accelerator program, what's that?
On most of our homes, you have the option to pay up to $100 per month towards the purchase of the home. We will match that amount towards the purchase of the home. The Accelerator Program lets you build up to $7,200 in additional equity during a 36-month lease period.
Can I buy the Home before the end of the Lease?
Yes, you can exercise your option to buy at virtually anytime during the lease period. On some homes, you'll need to live in the home for the first 12 months before exercising the option.
What kind of improvements can I make?
We want you to feel that the home is yours. You can make any improvements, however we require that you notify us and obtain any required local permits and follow the proper building codes.
Can we build a deck or a fence?
Like we said above, we want you to make those improvements. You should enjoy the benefits of home ownership.
Will the price of the home go up?
NO! We freeze the price of the home for the duration of the option (usually 12-36 months). At any time during that period, you can purchase the home for the option price. By freezing the price of the home, you won't be 'shooting at a moving target' when you talk with the lenders.
How soon can I move into one of your homes?
We only show homes that are currently available. So if you see one of our homes you can move in immediately. We will continue to notify you of homes that we have available. However, be sure to let us know of your specific needs so that we may contact other investors for properties that meet your desires.
What do we do now?
We know that this is a lot of information to digest at one time, but if you're still with us at this point, chances are you're interested in doing whatever it takes to
GET YOU INTO YOUR NEXT HOME
If you're ready to act now or have some immediate questions, you don't have to wait for our call…. You can contact us right away at 302-275-1061.
If you want an alternative to the stale, conventional ways of buying a home, pick up the phone and call us now! You have everything to gain and nothing to lose!
As we said before, if we can't do business, that's OK. We buy lots of homes and we get calls to lease them each day. We're always looking for homes, and would like to hear from you.
We specialize in finding ways to give you the pride of home ownership. We urge you to let us try. You have nothing to lose.