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Frequently Asked Questions

 

Will you PULL my Credit?

YES and NO. We will need a current copy of your credit report with your scores. This is NOT to keep you OUT, but to GET YOU IN. We need to know how to create a solution for home ownership that fits you and your family. In order to do that we will need to see what needs to be repaired, deleted, challenged and how long the process will take. We can pull those reports with your permission or you can get them for us at www.annualcreditreport.com. Either way the reports are required, but are held in strict confidence.

How long will I have to fix my Credit

We typically write our agreements for one year. At the end of the term or close to the end we will sit down and see where we are. If you are paying on time and your scores are improving we will work toward extending our agreement. It is our intent that you actually BUY the Home. Remember we are the Bridge to OWNERSHIP.  

Do you arrange owner financing for the homes you sell?

Yes, we sell many homes with owner financing or by creating Rent-to-Own 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 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 may be on the road toward home-ownership with our help.  We can setup owner financing or by creating Rent-to-Own situations to help improve your credit over time.  We also work with mortgage brokers, real credit repair companies and attorneys who may be able to arrange a loan for you.

How much down payment do I need?

We are very flexible with your down payment.  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 Rent-to-Own program and then move to our owner financing program at a later date when you have the additional money.

What other methods of Down payment are accepted?

Unlike most lending institutions, we accept borrowed funds, credit cards, friends or relative willing to lend you money, just about any method can be used with our programs.  You may also be eligible to withdraw or borrow from your 401K to purchase a home without penalties.  We may also accept trades, other homes, RV's, TV's, cars, boats, anything of value. 

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 several months.

How does your Rent-to-Own Program Work?

We can lease you the home with the exclusive right to purchase it at a later date.  This gives you the time needed to save up for a larger down payment, time to clean up past credit problems, time to sell another home, or what ever your need is buy. WE LIKE TO SAY YES.  100% of your option fee/down payment is credited toward the purchase price of the home at the time of closing. 

What is the interest rate on your home purchase programs?

We are flexible with our terms to meet your needs.  Interest rates vary depending on your down payment and application.  All credit is accepted and applications are necessary to verify income and employment.

I love the home, what is the next step?

All we need is your application.  You can even fax it to us for fast processing!  We will then contact you within 24 to 48 hours once we are able to verify your income and employment.  Please keep in mind that many of our homes go quickly, so time is of the essence.

The home I wanted has been sold or I don't see waht I am looking for; can you find me another one?

YES WE CAN.  Some of our properties never show up on our website, because they are sold or rented the day we get them.  Tell us what you are looking for, how soon you are 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.  We can supply you with properties needing repairs at wholesale prices or those already repaired and with or without tenants occupying them.

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