If you currently rent your home and want to be a homeowner, we can help! The two major things that stop most people from moving forward with the purchase process are #1) No Down Payment and #2) Damaged Credit. We can help with both and we specialize in helping first time home buyers with many of our financing options. Here's how it works:

You Have Damaged Credit:

No problem. We have one of the leading credit repair services in the industry. Bankruptcy, foreclosure, collections, medical, charge offs – you name it, we get them all permanently removed from your credit report. The credit repair process takes some time so starting this is the first step in the process.

You Don't Have a Down Payment:

No problem. Once you sign a lease and move into your rent to own home, a portion of your monthly rental payment is contributed toward your eventual down payment through what is called a rent credit. This adds up quickly and can easily cover the entire 3.5% down payment needed for an FHA mortgage within the first year of the program. The initial move in costs for the lease are generally very low – typically first and last months rent, just like a standard lease – not the many 1,000's of $ that most programs require up front.

Here's How Our Program Works:

Our program is a three step process. #1) Credit Program #2) Find and lease a home with a purchase option attached to the lease (these are very common and easy to find) #3) Close the mortgage and own your home. The time-line for these three steps is different for all individuals, depending on their credit and employment situation but generally 6-12 months covers all 3 steps in the process.

Here's How to Get Started:

Obviously, contacting us is the first step in the process. Once we make sure the program will be a good fit for both of us, we will explain the details of how to enroll and get started the same day. Getting started with the process takes about 15 minutes once we decide that it will be a good fit for both of us. The reason we repeat “good fit for both of us” TWICE is that we do not deny anyone from this program because of their situation or current credit problems. We DO deny individuals that we don't think that will work in the program because of unreasonable expectations or lack of commitment to success. Those are the only two reasons that anyone is denied.

About Us:

We are an affiliate of a Federally Chartered lender and have been in the mortgage industry for 10 years now. We started the credit repair company originally about 8 years ago in order to get our mortgage clients approved when their credit didn't quite meet the mortgage guidelines that we needed. The Rent to Own program is a natural middle step between the two businesses. We use rent to own to get you into the home while your credit is being repaired or you are saving for a down payment. With these three tools, we are uniquely positioned in the market to take you all the way through the process – from renter to home owner.

All phone calls and emails are returned within 60 minutes, guaranteed. Nights, weekends, holidays – we answer the phone and reply to emails all the time so don't hesitate to contact us at odd hours or as your schedule dictates. Our schedule is your schedule!

Contact us today for a free consultation. As mentioned, we will respond within 60 minutes, guaranteed!;

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