• Looking to “right-size” your home or your investment?
• Do you have good or great credit?
• Do you have credit problems?
• Have you gone through a foreclosure or bankruptcy?
• Have you been turned down for financing?
• Unable to come up with the required down payment?

We Are Dedicated To Finding You A New Home

We are not realtors who are selling someone else's homes, nor are we bankers or loan brokers who get paid to find you a loan. We're actually the owner of several lovely homes which are available for purchase. Since we own the homes, many times we are willing to finance all or part of the purchase ourselves. All the normal rules concerning credit, debt ratio, proof of income and yes, even down payments are thrown out the window. Since we own the homes, we can be very creative with the financing and structure it to fit your needs.

Tell us what you are looking for

Remember, we own the homes. We can structure deals however you and we agree to make it work. You can't imagine how many folks are now in a home of their own because they let us work our magic. Most thought they couldn't qualify and could never buy a home. They were wrong!

See Homes Currently Available

You Have Damaged Credit? Can You Buy A Home?

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.

Is Your Debt Ratio Too High? Just How Much Home Can You Afford?

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 income 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 Have Nothing To Put Down, Can You Really Get Financed?

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.

What About Our Lease Option Program?

Are you tired of making monthly rental payments? Think of all the money you've wasted in rent over the last few years. What do you have to show for it? 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. Wouldn't it be great if some of these monthly payments could have gone toward the actual purchase price of your home?

Do You Have a Down Payment, But Want To Get Owner Financing?

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.

VIP List

We keep a list of serious buyers who are looking for a home on file at all times. We notify these buyers 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 tell us what you are looking for to help us get started helping you find the home of your dreams. It costs nothing to explore your options.