$0 Down - $500 Down program
If your score is 620 or above, we have a great shot to get you financed and into one of our homes. Getting financed means YOU own the home. Buying a home is one of the biggest and best investments you can make in your lifetime. Buying a home gets you in with our lowest down payments available and best interest rate. For this program you need a minimum of $1000 gross income a month, and you must file tax returns to prove your income. Plus, if you are a first time homebuyer, you may qualify for a lower down payment and lower interest rate. If you have good credit and not a lot of money to put down…this is the program for you.
Land Contract / Lease Option
If your score is a 619 or below, this is going to be the best option for you. Because of your credit, you are not able to get financed….YET. Once you get in on a land contract/lease option we immediately start working on your credit to get you financed as soon as possible. Our goal is the same as yours. WE WANT YOU TO OWN THE HOME. The down payments start from $1000 based on where you credit stands. If you have fair to bad credit, but you have some extra money to put down on a home, this is the best option for you.
Once in awhile, we have homes that have not been remodeled yet. WE CAN GIVE YOU CREDIT TOWARD FIXING IT UP. This is a good option if you have fair to bad credit AND no money down. All you have to do is the renovation to the home, mostly cosmetic fix up such as painting, cleaning, and small repair work on a home THAT WILL BE YOURS, and we will credit you the money for the down payment. All work must be completed BEFORE you move in. We have given up to $8500 toward down payment money.
We pre-qualify before we show our homes by appointment. Please feel free to fill out an application and let us run your FREE credit report.