Dear Future Homeowner,

• Are you fed up with watching your rent payments go up in smoke year after year? Stop throwing your money away and making someone else's house payments...

• In only 3 days (or less) You can be moving into your new home and on your way to realizing the American Dream of Home Ownership......without credit checks or bank approvals!

• Frustrated with the run-around from banks and mortgage companies, or just plain don’t like doing business with them? Follow a few simple steps and you will be on your way.

Just how long have you been dreaming about home ownership? No matter if it is 5 days or 5 years, it’s been long enough. If you are reading this letter, we can bet we know what is standing between you and your home. Financial institutions, right? Banks, mortgage companies, with their extremely rigid qualifying guidelines and tons of paperwork, are the culprits. We have seen a lot of home ownership dreams shattered because of lenders. Applications, forms, W-2 statements, verifications of funds on deposit, tax returns, letters explaining blemishes on credit accounts, objections to income from self-employment, etc., - any single item on this list could kill a loan. Compiling all these documents could take a month or more, and make you sick to your stomach. When you are finally done with it, a loan officer takes another week of two to let you know, your loan was denied. What a joke, they call it a “loan approval” process.

Suppose I told you that you could cut right through all that red tape. Sounds too good to be true?

If you are sincere, responsible, have a good steady income, manageable debts, and a little bit of money for a down payment, it isn’t. You see, this company operates with the explicit purpose to help people like you to get into homes. You would be surprised to learn that on this web site we don’t sell homes to people who CAN qualify for a mortgage. There are plenty of homes available for “credit-perfect” buyers. We let Realtors take care of those folks, while we keep our inventory for Buyers who don’t get along with traditional lenders.

Why? Because several of our company owners were once where you are right now. Some were self-employed, had financial difficulties in the past. Being turned down for traditional financing when they needed it most. All they needed was a little break like most of us do. Even though they had a job, was already back on track and in good standing on all accounts, lenders were still unkind to them for several years.

They got a lucky break back then, but years later came to realize a lot of people must have had similar problems. They started to figure out a way to make it even easier. Today it's your turn, no more excuses. We are here to give you that break and put you in the home buying game.

You may be thinking, “But I don’t have a lot of money, and everybody says I need 20%-30% for a down payment”. That is true, in general. Nowadays, there are almost non of the old “non-qualifying” homes to be found, so most of the homeowners and Realtors ask for a huge down payment. Do you realize, it is literally impossible to find a down payment that is less than 15% through a Realtor’s database of homes? In fact, the average real estate commission charged on home sales is 6%. Add to this Seller’s closing cost plus some money for the Seller. They must get a large enough down payment from a Buyer, or the numbers simply won’t work.

Where does that put you? Well, you’d be in trouble if you didn’t have at least 15%-20% cash to play with. With us, nearly all our homes sell with as little as 5% - 10% down payment. But what if you have even less than 5%? Anywhere else you would be dead in the water. But we are so committed to your success, we can still work with you. We created a Down Payment Installment program just for the folks who have less than 5% saved. Not everybody qualifies for this plan, though. You must have a high enough income that will allow you to make extra monthly payments to build equity while you are getting ready for permanent financing. We don’t want to put you on an unrealistic payment plan – the goal is for you to complete the program, not to go belly up in the middle of it.

The question is: should you wait for a year or two, save some more money, work on your credit, and then purchase a home? It certainly is an option. But keep in mind, if you wait, you will miss out on the 3 main benefits of our Option Purchase/Finance plan:

• Guaranteed purchase price, so you (not the Landlord) benefit from a homes yearly increase in value. The prices in our areas have been going up every year. If you wait, you will have to pay quite a bit more for the same, or settle for less. If, while you wait, the price increases, say, by $20,000-$30,000, will you even qualify for that much extra of a loan later?
• Live in the house you want today, in the area where you want to be.
• Feel like a homeowner, not a tenant. Watch for your boss, family, and friends reaction, once they learn you are buying a home. There’s something extra that goes along with the home ownership status.

Now, if you do have more funds to put down, say, 10% or more, we’ll use a different plan, called Owner Financing, transferring all of the financial homeowner’s benefits to you immediately:

• Mortgage interest deduction
• Property tax deduction
• Principal reduction of the loan balance
• Potential increase in value of the home

We have provided enough basic information for you to seriously consider one of our financing plans. There is simply nothing like that anywhere else. You might be wondering how we could even afford to sell the homes to Buyers who have just a few thousand dollars down. Well, we are trying to do business efficiently.

• We don’t pay large sales commissions.
• There are no closing costs charged to you or us.
• We don’t have a big staff.
• We don’t need a big, expensive sales office, because we use the low cost medium, such as Internet, to provide you with all the information you need to make an intelligent decision about buying a home.
• All these savings strategies allow us to keep the overhead low to save you and us money.

Now let me walk you through how quick and easy we make it to get into your home.

You may or may not be aware that a conventional home buying process may easily take a month and a half, or more. It is filled with all kinds of time-consuming, meaningless activities invented by lenders and brokers. We have we created a simple, no-nonsense, step-by-step process (total of 6 steps) to go from where you are today, to actually moving into your home. You can literally do it in 3 days or less (sometimes even as quickly as 1 day.) I hope it is good news for you. We found, that a lot of our Buyers want to move quickly. We are proud to be able to accommodate them.

Here are the 6 Steps To Home Buying Our Way

1. Study Our Financing Programs. I have already introduced you to a concept of a small down payment financing plan, called Lease/Purchase, and a bigger down payment plan, called Owner Financing. Please take the time to study both of these programs to understand and choose the best applicable for your financial situation.
2. Research Our Inventory of Homes. Save yourself a lot of time by getting all the facts about different homes in our inventory, including the pricing and the payments. Check each individual listing, read about home, find directions, etc. Even print those listing, take them with you when you go to look at homes.
3. Fill Out Buyer’s Application. This is not one of those 4-page / 2 hours mortgage applications. You can fill it out in 1 - 2 minutes. We only need information about your income and monthly debt at this stage, we may ask a couple of other questions on the phone (SSN, references, etc). We also need to know what kind of down payment funds you have to work with, and if your finances allow you to pay a little extra on a monthly basis to build equity. It is this equity that will allow you to easily qualify for a re-finance on the property in a year or two. It’s a quick and easy exercise, just get it done. Please, take it seriously, don’t leave blanks, don’t write answers like “negotiable”, or “it depends”. Don’t worry, we’ll still have a chance to discuss your situation. We need all the information to get you approved quickly, and we’ll get you a response within a few hours. If you are approved, we’ll give you a general idea of the financing plan we can offer you based on the information you provided on your application
4. Visit The Homes. You are visiting homes on your own, at a time convenient to you. With your approval for our financing over e-mail comes a combination code for lock boxes on the houses you are interested in. Take a moment to read the instructions on how to operate a lock box. Be sure you don’t leave the house unlocked. How is this for a change - we don’t use any sales pressure, tricks, or under-handed gimmicks to convince you to buy anything from us. In fact, we are not even there, so we can’t influence your decision. I hope you can appreciate that. Try to be reasonable, don’t go, if it’s raining or muddy – it’s hard to keep the homes clean. Also, as a money saving technique, most homes do not have power or water (so don't use the bathroom!!), so plan your visit during daylight hours.
5. Tie The Home Up. If you found the house you like, inspected it to your satisfaction, now is the time to get all the financial details of your purchase ironed out. We’ll propose a financing plan for a specific home, based on the financial information you provided on your application. We don’t intentionally want to get anyone upset over not getting a certain house. We have had a number of cases where Buyers communicated to us (not once, but 2-4 times, over e-mail and phone) they wanted “that home”, and we communicated back that we’d sell it to them (we already had them approved). However, these Buyers did not put an Earnest Money deposit on the home. Someone else stepped forward, brought us the check – that was the end of story. The only way you can guarantee that a certain home is reserved for you is by putting an Earnest Money deposit on that home.
6. Close the Purchase. That’s the easiest part. Just show up at our office with the balance of the funds, sign a few papers, and pick up the keys.

Now you see how simple we made this whole process to get you on the path of the American Dream of home ownership, and why it only takes a few days to get into one of our homes.

But let us tell you, this is a GREAT program to help people own a home, start to develop or restore credit, stop throwing away money on rent and start building equity. You may have heard the term "You can lead a horse to water, but you can't make it drink". We are amazed by some people that don't own a home, and need assistance like this, that are way too picky over the home they buy. Remember, this is a chance to own a home. If one of our homes is not the home of your dreams, buy it anyway! You can live in it, paint it, carpet it, fix up the yard and sell it for a profit and then buy the home of your dreams! Now you can because you have developed credit and a track record and you did not waste any more money on rent!!!

No More Excuses

We have taken away all the red tape and all the barriers.

• No Credit Check – Any credit is accepted, slow payments OK.
• Small Down Payment – No problem, just pay extra per month to build up that equity.
• Self-Employed – We’ll help you build a history of payments, while you are building your proof of self-employed income.
• High Debt-To-Income – We can go quite a bit higher than a traditional mortgage lender would ever allow you.

You have absolutely no more excuses to keep renting. Resolve today to quit renting and start buying. If you are ready, we’ll get you into a home.

One last thing before you can get going with our program. We want to stop right here and tell you, this is not one of those “something for nothing” deals. A fair number of “would be Buyers” come to us with totally unreasonable expectations. Some make claims about their income, but can’t show any track of it. Others come with no money and want to buy a $100,000 home with $600 a month payments. Yet others want to pay $80,000 for house in the $160,000 neighborhood. These are all unreasonable expectations. One thing to keep in mind, that a house payment (which includes taxes and insurance) is usually 1% of the total purchase price. (example: $100,000 purchase price * .01(1%) = $1000 / month). That is not just from us. That is a general rule that can be followed when purchasing any house from any company or person. Of course some are a little less, some a little more.

Take Action Now

I know you are not one of the “would be Buyers” mentioned before. So, get on your way to becoming a homeowner. We’ll push you up the hill. From there it’ll be easy.

If you have not registered, you need to NOW. You will receive our e-mail updates about all New Listings as we add new homes to our database. Today you may not find a home in our inventory that fits your needs as far as location, size, floor plan, price, terms, etc. With our e-mail updates you will be able to act immediately whenever a listing with your dream home is posted on the web site.

Click here to sign up to be emailed when a new home is available

Condition Scale - We generally have homes available that are move-in ready as well as homes that you can purchase 'cheap' that need a little or a lot of fixing up to do. How to read our condition scale. We grade properties on a scale of 1 to 5.

1 = A home that needs absolutely nothing, only normal wear and tear for the age of the house with good upkeep
2 = A home that needs maybe just an interior or exterior cleaning. No repairs over $50
3 = A home that needs some minor repairs such as stained carpet, paint, etc. No structural repairs needed
4 = A home that needs some more expensive repairs such as cabinets, sheetrock repair or other similar items
5 = A home that needs structural repairs such as roof repair, wood or brick replacement, etc. Sweat Equity homes that are easier to afford with low down payments.