I want to help people buy homes in our area, even if they have just been turned down by a bank. Our programs help people make the transition from throwing away their money to home ownership.
We offer our properties to deserving families with a reasonable down payment and the ability to pay a monthly payment comparable to and usually lower than rent.
You are not renting the property or renting to own. You are buying it.
One of the best things about buying a home this way is that you do not have to deal with banks and qualify based on institutional credit requirements. You can start building equity right away and stop paying rent.
Seller financing can be a useful tool in a tight credit market. Buyers may benefit from less stringent qualifying and down payment requirements, more flexible rates, and better loan terms on a home that otherwise might be out of reach.
Sellers typically don’t charge buyers points (each point is 1% of the loan amount), commissions, yield spread premiums, or other mortgage costs, they often can afford to give a buyer a better financing deal than the bank. They can also offer less stringent qualifying criteria and down payment allowances.
You will be responsible for the taxes and insurance just like any other homeowner. We can however escrow taxes and insurance for you if you like to help you budget for these expenses. Sometimes it is a requirement for approval.
Many of our homes range in price from $39,900 to $99,900 and typically require a down payment of $3,000 to $10,000. We have found that this is the best price range to find homes that are in decent neighborhoods where people want to own a home and raise a family. We can also help people with homes between $100,000 to $750,000 with an appropriate down payment.
We offer single family homes, double wide mobile homes with land and townhouses.
Most of our properties are move in ready or close to move in ready. For this reason, we do not typically make any improvements to the property prior to offering it to deserving people to save them money. Most properties are sold “as is where is”. So it is the responsibility of the purchaser to make any necessary repairs and to inspect the property thoroughly prior to purchase. We recommend getting a home inspection prior to purchase.
Unlike other companies that buy distressed bank owned properties in bulk and then resell them by auction to investors; our properties are hand picked and purchased one at a time based on our strict guidelines.
Because we hand pick all of our properties, as you can imagine, they go very fast. So if you see a home you are interested in you need to act fast before it is sold. Please contact us today to get the process started so you do not miss the home you want. Get on our waiting list so we can start looking for your home.
The process is fast and very simple. Simply call our office at 850.942.7653 and one of our friendly homeowner specialists will be glad to assist you in helping you become a homeowner. Tell your friends we want to help them too.
Thank you and we look forward to serving you.
Click here for our Financing Application