How do you solve problems when others can't?

We specialize in problem solving! We can deal with people who have credit issues, have only
small down payments, and other problems. We find solutions to your problems! We will work
with you to figure something out. We also help people trying to sell. Sometimes people have to
move unexpectedly (job transfer/loss, divorce, death) or want to sell fast without dealing with all
of the hassles of selling with a realtor. We are problem solvers! We deal with a variety of
problems for people trying to buy houses and people trying to sell houses.

Can I trust you?
We will earn your trust through our customer service, finding solutions to your problems,
working with you when problems arise, and showing you how you can live in your dream house.
We strive to make win-win solutions!

Any charges or fees?
No, our focus is to avoid Realtors and find quick solutions to your problems.

Why rent to own? (also known as lease-option, lease purchase, lease with an option to purchase)

This is the best program to help you move into a great home immediately. It is basically renting with an option to buy down the road. While you are in your new home, you will have time to work on your problem areas:

Credit issues

Not enough of a down payment (you have time to save up while you are already living in the
house you want to buy.)

Out of state people who want to try out a neighborhood and see if they like it when. If you stay in one of our homes for a year and decide you would rather be in a different home, we'll transfer your equity into one of our other homes.

People with just average credit

You could probably qualify for a loan but it would have a high interest rate and high payments. If you rent to own one of our houses we will work with you throughout the year to increase your credit rating so you will get a much better mortgage in the future.

You want to move fast! All you need is a couple days! But you can also pick a time in the near future. Traditionally you have to wait at least 3 to 8 weeks for the loan process, closing, contingencies (example: a seller wants you to wait while they can get into their new home), and last-minute changes that kill the deal. Not so with us! You get a solid move-in date without any last minute gotcha's that kill the deal.

Rent to own is a win-win situation for both parties! I get to help people find the house of their
dreams, get a fair market price for the house, and avoid high realtor commissions. You get to live in your home now, have time to repair credit, have time to save up for a down payment, and get a portion of your rent applied to purchasing the house. You get control of the property, and at the end you can either buy or walk away.

One of the greatest things about rent to own is you can move into the house now! You don't
have to deal with all the red tape and hassles of going through a bank to get a loan. As you know dealing with a bank is very time consuming and nerve-racking. In this day and age, they just want to deal with Mr. Richie Rich and Mrs. Perfect Credit score. If you do end up buying in the end, the loan process is streamlined and easy to navigate. A mortgage broker and us will be working with you throughout the year to clean up and repair your credit. When it does come time to get a loan they know exactly what you have done and your situation.

What if I have credit problems?
We specialize in people with credit problems! Everyone deserves another chance. We will work you from day one to help you fix your problems and buy your dream house. We offer you simple everyday tips to improve your credit. We have classes and courses to help you repair your credit. And finally we set you up with a credit repair company that actively works to improve your credit.

What is Rent Credit?
$100 - $200 of every monthly rent, when paid on time, will be credited toward the down
payment. This, along with you option down money, helps you build up a nice down payment at
the end.

What is Option Money?
Option money is money paid up front prior to move-in that secures your option price 1 year
later. This money gets applied toward the down payment when you purchase the home.
Unfortunately, if you don't buy at the end of your option agreement, this money is
non-refundable. Think of it this way, we want you to buy the house, this is our end goal. If you
do that is great, you get your option money back and own a great home. We benefit by helping
you out and making a little money at the same time. It's a win-win for everybody! If you don't
buy this just becomes a fee that we keep for allowing you the option to buy and to get a "locked
in" price that you could have bought the house for.

How much do I have to put down?
The more money you can put down the better. This is going to go toward your down payment
on the house when you buy. Usually a minimum down payment is at least 3%, but we are flexible and will work with you in this regard.

What if I don't have enough money to put down?
That is ok! We are flexible and will work with you to figure out a plan. How about a 6 to 12
month payment plan to make up what you can't come up with up front? Maybe you can use the
money you get from your tax return. We can figure something out!

What if my credit stinks, can you help?
Absolutely, we will work with you to repair your credit! We offer a three-step approach. The first is giving you simple tips and education to boost your credit score. Secondly we will offer classes that you can attend to learn more about the credit process and what you can do to improve your credit. And last, we can use a credit repair agency that offers more education and "actively" repairs your credit by working with creditors and finding errors that affect you.

What do you mean "I have to pay for repairs?"
Yes, you do have to pay the first $500 of repairs. We treat you like a home owner and repairs
are a part of home ownership. For the first month if you find anything wrong we will be
responsible for and fix the problem. After the first month, you will be responsible for the first
$500. Anything over that amount we will pay for.

Can I do upgrades, like painting, to the house?
YES, absolutely! This gives you pride in your home. If you want to do work to improve the
house we are all for it. Just let us know before hand what you want to do. We just want to ensure quality work is done. We want you to take pride in home ownership! We want you to fall in love with this house and make it a house of your dreams. Our whole goal is for you to buy this house!

How do you know if I can qualify for a loan at the end?
When you fill out an application we will pre-qualify you with a mortgage broker. This will give
us a general idea of what we have to do to get you to qualify for a loan. We usually like to get
you qualified within 12 to 18 months.

What if I need extra time to qualify?
We will give you more as long as you are trying to improve your credit. As long as you are
trying, we are going to work with you. We aren't going to kick you out after your agreement
expires. We will renegotiate the agreement and work with you.

Do you pay referral fees?
Yes! If you provide us with a person who rents to own one of our houses, we will pay you $300.
Also, if you provide a name of a person who wants to sell their house, and we are able to buy
their house we will give you $300.

Why is owning a home so important?

Single best investment you can ever make (the average house doubles in value every 10 years)

Save money on taxes

Ride the appreciation wave

Pride of home ownership

Equity buildup

You decide on your upgrades to your house (you pick the wall color and you don't have to get
permission!)