To view the homes we have available, click on the town tabs on the left of this page.
Please read the options available to purchase our homes below.
We generally have the following 3 home buying programs available
#1 Immediate purchase and sale (You obtain home loan from a bank or lender now)
· The price of every home we sell is based off of a recent independent appraisal (available for your viewing upon request).
· Every home we sell will be required (by your lender) to have a new appraisal done by an independent appraiser that your lender will choose through a randomized process. The home must appraise for the purchase price. If the home does not appraise for the purchase price we will do one of two things;
o We will lower the purchase price to the appraised value, or
o We will let you out of the purchase contract and return any deposit or down payment monies to you.
· If the home appraises for more than the purchase price, then we still sell it for our lower asking price. This way you benefit in either situation.
· Most homes includes a 12-month home warranty from the date of closing.
· Most lenders require 0% to 3.5% of the purchase price as a down payment.
· If you have already been pre-approved for a home loan, we are willing to work with any bank you choose. If you do not have your financing lined up, fill out our application to get the process started.
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#2 Short term (less than 12 months) Rent to Own Program (also called lease option or lease-purchase)
If you find one of our homes you would like to own, but you can’t buy it right now due to loan qualifying standards, we have our short term rent to own program. This program allows you to move into your new home now while working towards obtaining your own loan in the near future (less than 12 months). You must qualify for this program which begins with you filling out an application on our website and submitting it.
· Our “Rent to Own” program does require a down payment (called option consideration). This down payment assures the Board that you are serious about purchasing.
· The option consideration is non-refundable but, fully credited towards the purchase price of the home when you buy the home.
· Option consideration amount required can vary from $500 to $10,000 and is determined based on the home, your personal financial situation, the loan you will eventually get and length of time needed to get bank financing.
· Once you qualify, you will be able to move in and rent the home until you can obtain financing to purchase it.
*Som of our long term rent to own homes are not included in this option
*Appliance options may be available if you do not have your own
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#3 Long Term (36 months) rent to own Program
On a select few of our homes every year, we are able to accept a rent to own tenant that requires a longer time to cure their credit flaws and qualify for a home loan. The program is very similar to the short term rent to own except it allows a longer period of time to obtain a loan. If you have money to put down on a home and you have some credit issues that take more time to heal, (such as a recent bankruptcy or foreclosure) this may be a good option for you. This also starts with you filling out an application on our website.
· Not all homes we own qualify for this program. These homes will be distinctly labeled “this home is a long term rent to own”
· Appliance options may be available if you do not have your own
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<<--- CLICK on links to the left for properties <<--- available in that area
Why Rent When You Can Own?
Bruised credit?... no problem!