Since we own the homes we offer, we can be very creative with the financing and structure it to fit your needs.

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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 part of your purchase price. You see, there are a lot of lenders who specialize in financing homes for folks with credit problems. To reduce their risk, they may simply reduce the amount they loan. This means the buyer must have a big down payment or the seller must be willing to finance the difference on a second mortgage. Getting you a loan is generally not a problem, however finding a flexible seller who doesn't need all their cash immediately, may be more difficult.


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 (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.


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 himself in the home of their dreams within 30 days. There are several little known ways to verify income and many loans available that don't require it. In fact income verification is one of the easiest problems to fix in the home buying process.


It may surprise you to know we've helped other folks buy a home of their dreams with little or no money down. Conventional wisdom says it can't be done but conventional wisdom is almost always wrong. Frankly if you have no money and very bad credit, there's nothing we can do for you. However if your credit in a reasonably good, and you have provable income, we have several programs available for you now. These programs are brand new and not widely known and are designed to help good folks buy a home with little or no money.


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. Our lease program allows you to lease and occupy a home, while at the same time building equity towards the sale price when you are able to buy. 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 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.


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, click here, 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 like these, which 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. Just click here to look at the property we currently have for sale.


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 work it out between ourselves without banks dictating the rules.



So, if you have a down payment 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 available homes.


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Continue to be stuck in a home you want to get out of

OR

Get the ball rolling by viewing our homes that are currently available and ready for your inspection.



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 click on the my dream home button to help us get started helping you find the home of your dreams. It costs nothing to explore your options.


One last thought...in a recent interview with Larry King, Donald Trump had this to say:


King: You said that this is a good time to buy real estate. What about financing? What if you want to buy and you can't get the mortgage?


Trump: Larry, this is a great time to buy real estate. And as far as financing is concerned, the only financing you should be thinking about is seller financing. If the seller won't give you financing, don't do it, because the banks are not doing their job. They're not providing financing for deals.