How does your program work?
It’s simple. Select any house listed from our inventory. Our buyers love our program because it gives them the time they need to clean up past credit problems, sell another home, and even try out the neighborhood before buying. 100% of your down payment is credited toward the purchase price of the home.
What happens when I apply for a home?
Here is a summary of our process:
- You will complete an application.
- Your application will be processed, and if you are approved…
- We will sit down with you and review your options.
- If we don’t have a home you like, you can enroll in our “Custom Home Finder Program” and we will find a home for you.
- We collect your down payment money and your first month’s rent.
- We give you the keys and the home is yours!
How long does the process take?
If we have the home you like, it may only take 1-2 weeks to move you in.
What are my costs?
The costs vary from home to home. Down payments, monthly income and how much you can afford per month are our biggest deciding factors.
How can I buy a home when I have bad credit?
You can’t through conventional lenders, but you can with our help.
Can you help me if I have a foreclosure or bankruptcy on my credit record?
Yes, you’ll work with credit repair to clean up your record.
I am renting now, how is this different?
This is a way to help you get started toward BUYING your own home. Instead of throwing your money away each month on rent and having nothing to show for it at the end of the year.
Is the down payment money non-refundable?
Yes! If you break the lease or don’t pay your rent, you forfeit all of your money. If you don’t pay the rent, you don’t stay.
What other methods of down payment are accepted?
If you have a close friend or relative willing to lend you money for your down payment, you can use that with our programs. You may also be eligible to withdraw or borrow from your 401K to purchase a home without penalties.
Is the price of the home established in advance?
Yes. The price of the home is decided at the time you sign the Agreement and is not affected by the local market conditions.
Who pays the property taxes and insurance during the contract period?
The Home Owner does! You pay the monthly utilities etc., until you actually complete the purchase.
