How does your financing work?We offer owner financing where we can sell you a home without you having to qualify at a bank. This means no credit requirements. We are the bank and we make the final and immediate decisions.
How much Down Payment do I need?
We are very flexible with down payment. We can offer you many options and we will always do our best to work with whatever funds you have available. You can even start out with a lease purchase and then move to owner financing at a later date when you have the additional funds.
Do you offer a Down Payment Assistance Program?
Yes we do. If you are a bit short on a down payment but have strong income, we can set up a monthly payment plan to make payments toward your down payment.
What other methods of down payments are accepted?
You may be eligible to withdraw or borrow from your 401K to purchase a home without penalties. Also, we'll consider most anything on trade such as cars, boats, RVS, trucks, stocks, bonds, etc.
How does your Lease Purchase Program work?
We can lease you the home with the 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, clean up past credit problems, or sell another home. It also gives them time to try out the neighborhood before buying immediately. We are obligated to sell to you, however, you are not obligated to buy. Plus, 100% of your down payment is credited toward the purchase price of the home.
What is the interest rate on your owner financing?
We are flexible with our terms to meet your needs. The interest rate depends on the amount of money you put down and your application.
How do I reserve a home?
All we would need is your application completely filled out. We will then contact you about the earnest money process. Please keep in mind that our homes sell quickly, so time is of the essence.
How fast can I move in?
If you are buying with owner financing or lease purchasing, you can be in the home in less than a week. If you prefer getting a new loan, the average time is 30-60 days, depending on the lender. We can shorten that considerably if you furnish all the documents the loan processor wants quickly.
Can I buy this home with no down payment?
Yes, if you can qualify for new financing. Our lenders have different programs that are available if you meet the requirements.
No, if you can't qualify for new financing. Both our owner financing and lease purchase programs will require a down payment. The more you have down, the better your chance of acceptance and the possibility of better terms.
What determines whether I can buy with owner financing or lease purchase?
If your credit is good and you can qualify for a loan and you have a good down payment, the choice is yours. We will lay out your options and you'll decide which is best for you.
If your credit is not so good or you can't or won't qualify for other reasons and have a good down payment, the size of your down payment may be the deciding factor. The more money you have down, the better chance you have with owner financing. Smaller down payments may qualify you for a lease purchase where you can build up to enough for our owner financing with our Down Payment Assisitance Program discussed above or future capital you acquire on your own.
What if I don't like any of your current house but I want to stay on your buyers list?
Simply download and complete the form titled "Your Next Step" and the short application and we'll notify you with every home we have available until you find one to buy or buy elsewhere and notify us. You can email, fax, mail or call in your info. Click on the "Contact Us" tab to receive that information.