We Sell Homes
Frequently Asked Questions
Q: How do I know if you are for real?
A: We are not asking you to trust us blindly. Just check us out. We will earn your trust by helping you solve financial problems or other problems that may keep you from owning a home.
Q: My credit is really in the dumps, can you help me?
A: More than likely, we can help you clean up your credit. We have a legal company that handles the credit problems. They are very good with removing negative items off your credit report.
Q: How is it that you can solve problems when real estate agents can't?
A: Think of it this way. When you go to your family doctor and he/she can't find out what is wrong with you, he/she then refers you to a specialist. Well -- we are specialists. When it comes to unusual real estate situtations, most real estate agents can't solve the problem.
Because we are real estate specialists in dealing with difficult credit problems, small down payments, and other issues, we pride ourselves in finding solutions when others just throw up their hands.
Q: Do you arrange owner financing for the homes you sell?
A: 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.
Q: Is there something wrong with these houses you are trying to sell me?
A: No, there is nothing wrong with these houses. Just as we try to solve problems for people that want to own a home, we do the same for people that need to sell.
For example: some people get a job transfer, or maybe they get a divorce, or some other major problem, and they need to move on with their life quickly. They don't have time to list with a real estate agency or deal with the commission that they charge.
We are able to act quickly, so we can help these folks with their problem, and at the same time help you with your problem, and that is --- you want to own a new home.
Q: How does your Lease-Option Progam work?
A: When one of our homes come available you can move in immediately. Then, while you are enjoying the benefits of your new home, a portion of your monthly payment goes toward the option to purchase. Meanwhile, we have our legal company start to clean up your credit report.
When this is all accomplished, you will be eligible with our mortgage broker to finance with a new mortgage, using your accumulated option money as down payment. It's kind of like a forced savings plan.
Q: How does your Rent-to-Own Program Work?
A: Same as Lease-Option. 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 the time they need 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. 100% of your option fee/down payment is credited toward the purchase price of the home, plus you may be eligible to receive a monthly credit towards the purchase price every time you pay your lease on time.
Q: How does your Owner Financing Progam work?
A: When one of our homes come available you can move in immediately just like the Lease-Option Program. In the Owner Financing Program you will need about 3%-%5 down, and the balance we finance for 30 years.
There are no banks involved, so you do not have to qualify. Your credit can be in the dumps. All you need is the down payment and a good stable job.
If you do have credit problems At some point in the future, you will want to refinance and through our Credit Restoration Program we can help you to do just that.
Q: How do you get paid for your services?
A: Much less than a real estate person who normaly gets 6-7% commission. Our homes come in all different shapes and sizes as well as the people who sell us their homes. We do not have a set fee. Each home comes with different options or methods of purchasing. We actually don't charge an up front fee or processing fee or any fee. Much of our money is made when we purchase the home through the seller.
Q: Would you pay a referral fee if I was to find a home to purchase or client that needs a home?
A: The answer is you bet! As in any business, referrals are the key to remaining in business through word of mouth. So, if we do a great job for you, you might tell someone about us, that either needs to sell or buy a home. If this is the case, we will not only thank you for the referral, but we will pay you. Click here for more information.
Q: How do I get started? What do I need to do next?
A: Just go here to contact us. We will get back immediately in touch with you through email.
Q: Do I need to qualify to buy a home?
A: 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.
Q: How can I buy a home when I have bad credit?
You can't through conventional lenders, but you can 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 who may be able to arrange a loan for you.
Q: How much down payment do I need?
A: 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.
Q: 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 with our programs. You may also be eligible to withdraw or borrow from your 401K to purchase a home without penalties. We also accept trades.
Q: Do you offer down payment assistance programs?
A: 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 6 to 12 months.
Q: What is the interest rate on your home purchase programs?
A: We are flexible with our terms to meet your needs. Typical interest rates range from 7.5% to 10.5% depending on your down payment and application. All credit is accepted and applications are necessary to verify income and employment.
Q: I love the home, what is the next step?
A: 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 our homes go quickly, so time is of the essence.
Q: The home I wanted has been sold… can you find me another one?
A: Yes we can. Our homes go fast, so the best thing you can do is join our online Buyers List.
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.
Click here to join our Buyers List now!
Q: Do you work with investors?
A: 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.
Click here to join our Wholesale Buyers List
Your dream home is just around the corner, with our unique financing methods.
