1. How Does Your Financing Work?

2. How Much Down Payment Do I Need?

3. Do You Offer Down Payment Assistance          Programs?

4. What Other Methods of Down Payment Are      Accepted?

5. How Does Your Lease Purchase Program
    Work?

6. What is the Interest Rate on Your Owner Financing?

7. What if I have bad credit?

8. How can I get inside to view the actual home?

9. I Love the Home, What is the Next Step?

1. How Does Your Financing Work? We offer owner financing where we can sell you the home without you having to qualify at a bank.

2. How Much Down Payment Do I Need? We are very flexible with down payment. We can offer you many option, and we will always do our best to work with whatever funds you have available. You can even start out on a lease purchase and then move to owner financing at a later date when you have the additional money.

3. Do You Offer Down Payment Assistance Programs? Yes we do. A lot of times if you are a bit short on down payment we can set up a monthly payment plan spread out over 6-12 months.

4. 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 in our program. You may also be eligible to withdraw or borrow from your 401K to purchase a home without penalties. We also accept trades.  

5. How Does Your Lease Purchase 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 time 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. We are obligated to sell to you; however, you are not obligated to buy. 100% of your option fee / down payment is credited towards the purchase price of the home, plus you’ll receive a $100 credit off the monthly payment towards the purchase price every month you pay your lease on time.

6. What is the Interest Rate on Your Owner Financing? We are flexible with our terms to meet your needs. Typical interest rates range from 7.5% to 9.5% depending on down payment and application. All credit is accepted and applications are necessary to verify income and employment.

7. What if I have bad credit? How do you know you have bad credit?  What's bad about it?  Many times people are mistaken about their credit.  If you have a general credit score of 560 or above, you'll qualify for most government-backed loans.  In many cases, even if your credit is below 560 you can qualify for conventional or private money financing, especially if you've managed to save some money for a down payment.  Don't count yourself out.  We can qualify almost anyone who wants one of our homes.  We sometimes will lease the home to a buyer for 6 to 12 months while helping them clean up their credit before then getting them financed.  We work hard to help you own your dream home.

8. How can I get inside to view the actual home? Fill out the Lock Box Code Form for the house you're interested in.  After completing the online form, you'll be given a 4-digit code to enter on the gray-and-black lockbox hanging from the home's front door.    You'll enter your unique 4-digit code to open the box and use the key inside to open the front door.  You can take as long as you want to enjoy viewing the inside.  There's no one there looking over your shoulder while you view the home.  I only ask that you call me when you're done, after the doors have been locked and the key has been returned to the box.

9. I Love the Home, What is the Next Step? All we need is your online application. Click here to start your application now! Please keep in mind that our homes sell quickly so time is of the essence.