How It Works
Our transparent process is designed to take the stress out of buying a home. We handle the heavy lifting so you can focus on the excitement of homeownership.
Who We Help
- ✓Anyone unable to qualify for traditional mortgages due to credit problems or previous bankruptcies
- ✓Buyers with high debt-to-income ratios
- ✓Self-employed or commission-based workers with sporadic but adequate income
- ✓Buyers who have had difficulty qualifying for traditional financing
- ✓Previous bankruptcies (must be discharged 12+ months or 24 on-time trustee payments)
- ✓Previous foreclosures (must be 24+ months in the past)
How Our Program Works
- ✓Choose almost any home from the MLS or For-Sale-By-Owners through our approved Realtor network
- ✓We purchase your chosen home for cash and sell it to you at appraised value
- ✓30-year fixed loan at current market interest rates with no pre-payment penalties
- ✓No upfront fee's
- ✓All benefits of home ownership with transparent service from experienced professionals
We are NOT Realtors, real estate agents, mortgage brokers, lenders, or a bank. We utilize these specialists to ensure Approved Participants receive top-of-the-line transparent service. We can help you get started with bridging the gap to home ownership by turning rent dollars into home ownership dollars!
We review your financial situation and homeownership goals for approval into our program. Minimum $4,500/month household income, credit score 560+, 5% down payment required. Bankruptcy must be discharged 12+ months (or 24 on-time trustee payments). Foreclosure must be 24+ months in the past.
"I was worried my credit score would hold me back, but the team walked me through the qualification process and I became an approved participant in just a few days!"
— Sarah M., Tampa, FL
A Realtor from our Service Provider Network will show you homes listed with the MLS that fit your needs and budget.
"Our assigned Real Estate Agent showed us so many great options. We found the perfect 3-bedroom home in a neighborhood we love. I couldn't believe we had access to the entire MLS!"
— Michael & Jennifer T., Phoenix, AZ
We negotiate a written offer to purchase the home you chose for cash through our real estate professionals. Once the sale is agreed to we open escrow and schedule a home inspection and appraisal.
"The negotiation process was smooth and professional. They handled everything and kept us informed every step of the way. The inspection gave us peace of mind."
— David R., Atlanta, GA
At closing you will receive documents confirming your ownership along with a copy of the home inspection report and certified appraisal as well as the keys to your home.
"Walking into our new home with the keys in hand was surreal. After years of renting, we finally own our home. This program changed our lives!"
— Lisa & Carlos P., Dallas, TX
The Owner Finance Advantage
We are private investors who owner finance properties at market rates and terms. We help people who have had difficulty qualifying for traditional financing buy the home they want, in the areas they want.
With Traditional Mortgage
Requires 20% down or PMI. Strict credit score requirements. You are on your own to negotiate.
With Advantage Homebuyer Programs
Our program does not have all of the red tape required by traditional mortgage companies and banks. Even if you have poor credit It's just not that important to us.
Understanding Our Fee Structure
Transparency is important to us. Here's how our business model works.
How We Earn Our Fee
As the contracted buyers, we use our cash-buying power to negotiate a lower retail price with the seller. We then transfer the title directly to you at the certified appraised value through a true sale—not a lease purchase or bond for deed—with a 30-year fixed, market interest rate mortgage. Our fee is simply the difference between the negotiated purchase price and the appraised value, allowing us to help you become a homeowner while earning our compensation through the transaction.
Your Agreement
When approved for funding by our underwriters, you sign an agreement with us agreeing to pay us the full appraised value for the home subject to a certified appraisal. You are the homeowner with 100% of all the rights and privileges of home ownership.
After Closing
After the closing you will simply need to make your agreed upon monthly payments.
All real estate transactions are conducted through licensed real estate, title, inspection and appraisal professionals. We are not licensed Realtors, agents, mortgage brokers, lenders, or a bank.