Buy your next home with No Bank Qualifying.
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Is this you? Trying to move out of your current situation into a desirable home can seem like you`re swimming upstream. You keep trying to improve your financial profile and just when you think that you can make the move, something happens

Lenders don`t seem to understand. They expect perfect credit, lots of money in the bank and then maybe, they will 'consider` whether to give you a loan.

So you put off buying a home and you rent. You become frustrated knowing that you're not helping your family. You want another bedroom, more space, a back yard, a 2-car garage, etc.

Once you begin renting, you never seem to be able to save any extra money for the loan financing requirements. The banks won`t let you use 'borrowed` money for the down payment. And just when you think you`ve got enough for a down payment, the rent goes up... or you need a bigger apartment... or whatever. And then you`re back at square one, living in the same cramped place with the same neighbors. Wondering if you`ll ever have the kind of place you deserve.

You deserve better! You may be tired of the same old space. Sure your apartment seemed big when you moved in, but now you realize that you`re living within inches of 'nosey neighbors`. Paper thin walls...you can`t make too much noise, stay up late, work on your car, paint the walls, get newer appliances, etc. without someone making a complaint. Or without checking with the apartment manager.

Sure you`ve looked at the new homes. The builders promise a super financing deal, but you know that even if you qualify, you`ll still have lots of expenses that all new homeowners face. Landscaping, custom paint, garage door opener, new appliances, etc.

Maybe you're not yet ready to commit to a new house. Maybe you've talked to lenders and are just trying to pay off those last minute credit cards. Maybe you don't have the financial profile suitable for a new loan. It seems like when you need the money lenders aren't there, but when you don't need it, mortgage companies are practically on knocking down your door.

That's why our small company buys these nice homes in great neighborhoods. We've found this new trend in getting over the hump of home ownership. While you`re building your financial profile, you`ll be living in an attractive home. Not renting. You`ll be leasing your home and part of your lease will build equity that can be used when you purchase the home.

Sometimes the reasons you can`t get a home aren`t so good at all... bankruptcy, divorce, job loss. We can deal with these issues. Thinking about buying can quickly become wanting to buy... and it`s amazing how fast "want to" can become "have to". Whatever the reason, it puts you in a pickle.

What if we told you that we had a newly constructed home, complete with all the extras that could be yours? We work very hard to buy homes in nice neighborhoods all the time.

If you call us at (612) 208-7878 and give us the facts, we`ll either tell you on the spot we can`t help, or help you find the home you deserve. Either from our current supply or from ones that we`re looking to buy. We buy and sell properties all the time.  

We are investors and professional home buyers. This is what we do for a living. For your particular situation, we`ll probably offer several homes and payment plans. That`s so you can choose the one that best suits your needs.

We want to make you a homebuyer, and we`ll show you how to do that while you`re living in your next home.

You`ll be living in a beautiful home in a great subdivision. Your lease payment will cover all taxes and property insurance. If the taxes go up during the lease period, that`s our problem. If property insurance goes up, we pay the increase. You`ll take care of the home just like it was yours, including making the improvements you want. Like adding a deck or building a fence. You know those things that give you pride In Your home. What`s more, you`ll exercise your option to buy the home when you`re ready. Look, like we said earlier, people lease homes for various reasons. Maybe it`s a job change that requires a move. Maybe it`s a company downsizing that creates the problem. It could be bankruptcy or divorce... or you could`ve won the lottery. Perhaps you`re tired of the same old neighborhood... you need something bigger... marriage or birth. Whether you`re moving across town or across the US, to a new home or to an apartment, you`ve got other things to concern you. We`ll take care of your housing needs with a great home.

Here`s the plan to get your new home... Based on the location and kind of home you need, we`ll suggest homes that we have available. We`ll tell you the monthly payments, down payment, and how much equity you receive each month. We`ll tell what your future income should be for typical financing. You`ll be establishing your credit by making your payments. Then you can select the lender of your choice to apply for a permanent mortgage and buy the home. But you`ll have from 1 to 3 years to meet with them.

Once you make the down payment, you`ll begin building equity. Each month that you make your timely lease payment, your equity continues to build with our rent credit program. You can buy the home anytime during the lease period...no need to wait until the end of the lease.

Please don`t misunderstand or assume that we can correct your credit problems. Our program lets you live in a great home while you correct any credit problems or bruises. We`ve worked with all kinds of circumstances and have been thoroughly trained to create solutions after so-called “experts” have given up and quit.

Usually we begin with your phone call to find out some preliminary information concerning the type of home you want, preferred location and financial information. Our interest in your financial profile is to assure that as best we can determine, you`ll be able to purchase one of our homes by the end of the lease. (Remember we want you to buy the home).

Next, we`ll give you the addresses of a couple of homes that meet your preferences.

After you`ve looked at the homes and reviewed the area, we`ll go over the specific terms of our lease and option to buy paperwork.

Based on your desired date of possession, we can frequently wrap up the entire process in less than 7 days. If you need longer and want us to hold the home for you, frequently we can accommodate that.

A word of caution. Because we make home buying so easy, our homes don`t last long. If you select one of our homes, don`t delay. Homes like ours don`t last long. We can be flexible on our date of possession. But we do follow the 'first come first served` principle. But What About... We`re sure that you have questions. Here are answers to a few of the more commonly asked questions.

HOW MUCH OF A DOWN PAYMENT WILL I NEED?
That depends on your monthly payment, gross income and the price of the home. However, a range can be as low as $3,000 or up to $10,000 for most of our homes. Remember, we can accept borrowed funds and can give you up to 45 days to make the down payment. However, we want to avoid characterizing our down payment as a 'security deposit` applied by a renter.

WE HEARD ABOUT AN ACCELERATOR PROGRAM, WHAT`S THAT?
On most of our homes, you have the option to pay up to an additional $700 per month towards the purchase of the home. We will match that amount towards the purchase of the home. The Accelerator Program lets you build up to $8,400 in additional equity during a 12-month lease period.

WHAT IF THE PROPERTY TAXES GO UP?
In the real world, there is one thing you can count on, taxes. Taxes usually go up every year. We'll pay those property taxes and the property insurance. If they go up, we absorb those increases. You will have to pay for your utilities, club membership and any association dues. This seems fair, since you receive the benefits from those. You will also need an insurance policy for
your personal possessions.

CAN I BUY THE HOME BEFORE THE END OF THE LEASE?
Yes, you can exercise your option to buy at virtually anytime during the lease period. On some homes, you`ll need to live in the home for the first 12 months before exercising the option.

WHAT KIND OF IMPROVEMENTS CAN I MAKE?
We want you to feel that the home is yours. You can make any improvements, however we require that you notify us and obtain any required local permits and follow the proper building codes.

CAN WE BUILD A DECK OR A FENCE?
Like we said above, we want you to make those improvements. You should enjoy the benefits of home ownership.

WILL THE PRICE OF THE HOME GO UP?
NO! We freeze the price of the home for the duration of the option (usually 24-36 months). At any time during that period, you can purchase the home for the option price. By freezing the price of the home, you won`t be 'shooting at a moving target` when you talk with the lenders.

HOW SOON CAN I MOVE INTO ONE OF YOUR HOMES?
We only show homes that are currently available. So if you see one of our homes you can move in immediately. We will continue to notify you of homes that we have available. However, be sure to let us know of your specific needs so that we may contact other investors for properties that meet your desires.

YOUR PROGRAM IS UNIQUE, SHOULD I TELL OTHERS?
We provide a $300 finder`s fee to you if you refer someone to us that ends up contracting for one of our homes. When they sign the lease, we`ll send you the fee.

Call us today to find out how we can help (651)560-0856, 24 hour recorded message