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Even if Your Credit STINKS: This FREE Report Will Show You How To Rent-to-Own Your New Home!

Stop wasting your money onrent... or living in a house which doesn't meet your needs. Discover howto move into a better home now!

Some people are tenants by choice. But most people would prefer toenjoy all the benefits of owning a home if at all possible. It can be thesingle most important investment you ever make. A lot of people's personalwealth is made up mostly from equity they've built through years of responsiblehome ownership.

We believe that buying a home should be at the top of your goallist. And, we have a number of homes for sale right now with flexible ownerfinancing. Our unique approach to selling houses can help you achieve thereward of owning your own home faster and easier than going the traditionalroute. Here are the benefits you can enjoy by working with us:

You can move fast

When you buy a home from us you can move in quickly and easily. Most of ourproperties are available immediately. You can get into one of ourhomes in just a few days with our flexible owner terms or set a date furtherout.

Compare that to buying an owner-occupied home through an agent. Howfrustrating! First, you have to qualify for a loan which could take 3 to 8weeks. We require no bank financing. Then you have to coordinate your movesubject to the schedule of the seller. Look out if the seller wants everythingcontingent on them getting into their new home. Their deal can fall through atthe last minute stopping you or delaying you from moving in. That can become anightmare if you've already lined up a moving van, or given notice to yourlandlord, or sold your previous home.

You can avoid bank hassles

Banks and mortgage lenders are picky. They prefer to do only the easiest andsafest loans. Trying to please them and jumping through all their hoops candrive you nuts. It is especially difficult when your credit is less thanperfect or your debts seem too high to the lender. Or maybe you'reself-employed or new to the area.

Our owner financing programs make buying easy. You enjoy the peace of mind ofhaving a solid move-in date. There are no last-minute lender requirements tostop us from closing or moving you in.  Depending on what you want andneed, we can even make you a loan to buy or rent the home to you untilclosing. Start enjoying your new home even if you are still raising more moneyto put down.

If we decide the best option is to rent to you until we close, you'll have somebreathing room and no pressure. We can then work with you to get a favorablebank loan or help you build up the down payment required to close with easyowner financing.

Own your own home...now!

Don't be forced to throw your money away on rent just because you need time toget a bank loan. Each month you get nothing but receipts...with no equity buildup... no tax benefits... no appreciation... and no pride of home ownership.

Are you tired of maintaining and fixing up a house you don't own? Do you wantmore privacy in a bigger or better house?

Even if you don't have perfect credit... or a large down payment... or ifyou're self-employed, there are loans available for you. Whatever your currentsituation, there's probably a home loan that is just right for you. And we'll"walk across hot coals" to get you in one of our nice houses, even ifit means financing you ourselves.

Work directly with a creative and flexible seller

Start enjoying all the benefits of owning your own home.  Have lenders andbrokers told you that you can't qualify?

We're a local real estate investment company specializing in helping familiesbuy a home without the normal hassles of going through the bank qualifyingprocess. We have nice homes in all sizes, locations and prices. As the owner,we can offer several unique programs that can help you buy a home, even if youdon't have the proper financial picture or credit history to please a bank.

Our lending criteria are vastly different from a bank. We'll take into accountthe circumstances that may have damaged your credit in the past. We'll fairlyevaluate your present employment situation and currents debts. In most cases,we can find a method of financing you, getting you into one of our houses.

Trade repairs for equity or down payment

Would you enjoy working on your own home, doing repairs or remodeling? Do youhave time, skills or materials already? Would you prefer to decorate a home toyour own tastes, not ours?  From time to time we buy several homes thatwere once beautiful and valuable. Now, these homes are run down and don't looklike much. But with a bit of work, some love and care, and some talent, thesehouses could be beautiful homes once again.  These "fixer-upper"properties offer a great opportunity for you to trade work on a house forequity. Part or all of your down payment could come from work that you do toyour home. The homes offered in this manner go quickly, so let usknow if you'd consider a home that needs work.

Buy with no money

If you're in a position to qualify for a new mortgage, we may be able to helpfinance your down payment and closing costs. If you can qualify for 100%financing now, we may be willing pay your closing costs. You could get in withno money down.

Some of our buyers can qualify for 95% to 97% bank financing. In those cases,we might recommend one of several "home buying grant programs"available without qualifying. These grant programs can "gift" the 3%-5%down payment you need to close.

Get a new home with a small down payment

There are a lot of creative things we can do even if your credit is less thanperfect... or you lack local employment history...or your income is hard toprove... or you have another house for sale... or you're stuck in a lease... oryou've had a bankruptcy or foreclosure... or you have outstanding collections.

And when you don't have enough money down to close with seller financing, wehave several other programs to give you immediate ownership benefits. Our"lease purchase" or "rent to own" program can get you intothe home of your choice with a small down payment.

This program offers a creative way of helping you build equity and enjoy marketappreciation. We'll then work with you to get you closed as quickly as possiblewith the best mortgage and terms. In the meantime, you can be enjoying your newhome, sprucing it up how you want. Since you're in the process of buying thehome, we have few concerns about smoking or pets.

Then show off your new home and experience a new sense of pride. You'll havethe time needed to qualify for traditional financing, establish your income,clean up your credit, build up your down payment or pay off debts.

No reason to wait!

Many tenants are willing to live somewhere that does not reflect theirpreferred lifestyle because it's "temporary." Don't put up withnoisy, unkempt, and sometimes frightening neighbors. Or inefficient heatingsystems or poor maintenance. Or undesirable schools. Or rising crime rates. Orwhat about the landlord who shows up with little or no notice... even enteringyour home without your knowledge?

When you're in a home of your own, you have more freedom and peace of mind. Youdeserve to live better. Let us help you improve your lifestyle now!

Stop living in a house that is too big or too small. Stop putting up withuncooperative landlords. Stop getting by in a house that's too hard tomaintain.  And stop spending your hard-earned money on rent when all youhave at the end of the year is a pile of receipts.

Quickly qualify for the best permanent mortgage

The credit reporting services most lenders rely on can be unfair. Rarely doesyour credit report reflect your true ability to borrow money and keep youragreements. The Fair Credit Reporting Act gives you certain rights and theability to reestablish damaged credit. We work with several top-notch companieswho specialize in helping you raise your credit rating.

If your credit history needs improving, it may take 3 to 12 months to get youqualified for a very favorable mortgage through a bank or mortgage lender. Thegood news is that we may be able to get you into a nice home now while one ofthese companies can be handling your case. Our owner financing programs are designedto give you the time you need.

Another way we can help is to refer you to a professional mortgage brokerwho'll examine your current income, credit and debts. Then they can tell youwhat's available now or in the future. They'll give you suggestions and a planputting you in the best position to get approved. No longer will getting a newloan be a mystery. Having time and a plan to work on your financial situationcan save you tens of thousands of dollars in the long run.

Is owning within your grasp?

It's the American dream. Some people will never achieve it. But most people donot have the opportunity you have right now. Let us help you buy a nice homesooner than you expect. Get on our Buyer's List today! Let's see if we have anattractive home now that fits your budget and lifestyle. A home you can moveinto quickly and easily, with or without bank qualifying. with or without adown payment.

If one the homes available now doesn't get you excited, then we'll keeplooking, notifying you of our new properties as they become available.


Opting in is free!

We offer our homes first, tothose on who opt in. This is a list of people we notify about our latesthomes before we tell the public about them. To opt in simply fill out theshort form above.

If you're spending your money on rent now, or if you're like to buy a betterhome, let us help you. We select several of our properties each month to sellfor cash, or with a new loan, or with flexible owner financing. You may be ableto get into a new home without bank qualifying, and without a substantialdown payment.

Opt in right away!

Chris Whitwood