Listen… we don’t expect perfect credit. We understand that good people
lose houses. We are mainly concerned with your income and whether you
can get a mortgage in 1-2 years with credit repair.

Don’t let your bad credit scare you. We can help you fix that. As long
as you are committed to rebuilding your credit over the next 1-2 years,
no one will work harder than us to get you into the home of your dreams.
Please review the following criteria before submitting an application:

1.    Your gross monthly income needs be at least 3-4 times the rent

2.    You must have at least 3% for the Option Consideration, unless otherwise specified in the ad

3.    You need to be at least 1 year removed from a foreclosure or bankruptcy

4.    You can’t have had any evictions in the last 3 years

5.    You must have good references from previous landlords & current employers

6.    You cannot be involved in a lawsuit as a “Plantiff”, other than divorce, child custody, or auto accident

7.    You can’t have any prior criminal convictions of a violent or drug-related felony

8.    You cannot owe money for child support or alimony

You can complete and sign our application very easily on-line

To find out more about our Lease Purchase Homes 

Your monthly rent credit works for you to reduce the price of the home. (Try asking your landlord to give you some of your rent back at the end of your lease!)

In summary, you get…

• Maximum leverage: You are spending very little money to control a potentially very expensive, and very profitable, piece of real estate.
• Time: Before you actually buy the home, you will have 12-24 months (depending on your agreement) to repair your credit, find the best interest rates, investigate the home and research the neighborhood and/or schools.
• Privacy: Your name will not be on the deed or in the public records until you exercise your option to buy.
• Peace of mind: You will have full control of the home and can maintain or improve it however you wish

    To Join Our Buyer’s List

Begin Now!

It is imperative that anyone considering a Rent to Own or Lease Purchase Home begin credit restoration immediately. The sooner the better!

If you aren’t interested in restoring credit, then a Lease Purchase probably isn’t for you. Why?

There is no point in throwing away the option fee if you aren’t going to do what it takes to eventually own the home. Unless you are serious about doing what it takes to restore credit, you are better off renting. If you don’t do what it takes now, you will never qualify for a mortgage!

Credit repair takes time. It isn’t going to happen overnight. So, you should begin working on your credit as soon as you make the decision that owning a home is important to you!

The main focus of our program is to help people prepare for financing while living in the house. Almost every person that comes to us falls into one of 3 categories in regards to their credit and what they need:

1. Derogatory items and incorrectly reported items that require credit improvement
2. Lack of open trade lines that require establishing new trade lines with secured cards
3. All of the above.

Often times, when an old account is sold to another company, the dates are reported incorrectly or information about that account is reported incorrectly. Many times the same account will show up multiple times due to the account being sold to other companies. If somebody goes through a bankruptcy, it’s almost inevitable that there are items that aren’t reporting correctly on the credit report. Getting items straightened up on the report is where credit improvement comes in.

The credit improvement program we recommend was specifically designed to help people in our program prepare for financing. Not only do they prepare in depth credit analysis for each of their clients, but they will work for you to resolve incorrectly reported items, and even assist with budgeting!

Credit improvement is absolutely vital for success in financing your home. That’s why we pay for the initial fee of ~$300 for one person for each home, and why it’s mandatory for every applicant! The monthly fee for Credit Improvement is generally $49-$99 per person. The program is a month to month program, so people might cancel the credit improvement service after you get your financing, but many have continued on to assist in raising their scores even higher.

If you use the mortgage broker we recommend, he will actually reimburse you all the cost of your credit repair if you get your mortgage through him!

It has become more and more important to establish active trade lines utilizing secured cards. Lenders are now requiring in most cases 3 active trade lines for the applicant. That is VERY important to be aware of! Obtaining secured cards and using them properly is a great way to raise your scores, particularly when used in conjunction with credit improvement. But with the lenders now requiring 3 active trade lines, secured cards have become a necessity for most people coming to us! One of the first things our credit improvement company will do is help you easily acquire those trade lines.

Yes, we can actually report your on-time rent payments to the major credit bureaus! And unlike some companies who claim to do the same thing (but really are only reporting the credit to their own private database or an unknown credit reporting agency like the “PRBC credit bureau” – who’s ever heard of them?), we actually have a way to report your rent to the 3 major credit bureaus as a first installment loan!

What’s the best way to show the banks that you are paying your rent on-time? By reporting your rent to the credit bureaus!

Most people that come to us really need all three things – credit improvement, secured lines of credit, and rent reported to the credit bureaus. We tend to refer to this as the “One-Two-Three Punch”. The reason, is that although credit improvement is extremely effective, if you don’t have the active trade lines to offset the negative and show responsibility with credit, the credit improvement will be limited on it’s effectiveness. Same with secured cards and reporting your rent to the major credit bureaus. If you just get a secured card or if you just report your rent to the credit bureaus, it will help, but it will be limited on its effectiveness.

By enrolling in credit improvement, getting secured cards, reporting your rent to the credit bureaus, you are giving low credit scores the one-two-three punch and you’re on your way to finance!

The bottom line to getting financed in most cases can be summed up as this:

1. Enroll in credit improvement – trust the professionals to help you do it faster
2. Obtain at least 3 secured cards or 3 active trade lines
3. Report your rent to the 3 major credit bureaus
4. NEVER, NEVER be late on any payments while in the house – (this includes rent payments and any payments on credit accounts or your car)
5. Don’t buy a car until you have bought your house!

By following these 5 main rules, you will be well on your way to home ownership!

Stop wasting your money on rent… or living in a house which doesn’t meet your needs. Discover how to move into a better home now!

Some people are tenants by choice. But most people would prefer to enjoy all the benefits of owning a home if at all possible. It can be the single most important investment you ever make. A lot of people’s personal wealth is made up mostly from equity they’ve built through years of responsible home ownership.

We believe buying a home should be at the top of your goal list. And, we have a number of homes for sale right now with flexible owner financing. Our unique approach to selling houses can help you achieve the reward of owning your own home faster and easier than going the traditional route. Here are the benefits you can be enjoying by working with us:

You can move fast

When you buy a home from us you can move in quickly and easily. Most of our properties are available immediately. Get into one of our homes in just a few days with our flexible owner terms or set a date further out.

Compare that to buying an owner occupied home through an agent. How frustrating! First you have to qualify for a loan which could take 3 to 8 weeks. We require no bank financing. Then you have to coordinate your move subject to the schedule of the seller. Look out if the seller wants everything contingent on them getting into their new home. Their deal can fall through at the last minute stopping you or delaying you from moving in. That can become a nightmare if you’ve already lined up a moving van, or given notice to your landlord, or sold your previous home.

Avoid bank hassles

Banks and mortgage lenders are picky. They prefer to do only the easiest and safest loans. Trying to please them and jumping through all their hoops can drive you nuts. It is especially difficult when your credit is less than perfect or your debts seem too high to the lender. Or maybe you’re self-employed or new to the area.

Our owner financing programs make buying easy. You enjoy the peace of mind of having a solid move-in date. There are no last minute lender requirements to stop us from closing or moving you in. Depending on what you want and need, we’ll make you a loan to buy or rent the home to you until closing. Start enjoying your new home even if you are still raising more money to put down.

If we decide the best option is to rent to you until we close, you’ll have some breathing room and no pressure. We can then work with you to get a favorable bank loan or help you build up the down payment required to close with easy owner financing.

Own your own home…now!

Don’t be forced to throw your money away on rent just because you need time to get a bank loan. Each month you get nothing but receipts…with no equity build up… 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 want more privacy in a bigger or better house?

Even if you don’t have perfect credit… or a large down payment… or if you’re self-employed, there are loans available for you. Whatever your current situation, 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 if it means financing you ourselves.

Work directly with a creative and flexible seller

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

We’re a local real estate investment company specializing in helping families buy a home without the normal hassles of going through the bank qualifying process. 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 you don’t have the proper financial picture or credit history to please a bank.

Our lending criteria are vastly different from a bank’s. We’ll take into account the circumstances that may have damaged your credit in the past. We’ll fairly evaluate 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.

Buy with a small down payment

There are a lot of creative things we can do even if your credit is less than perfect… or you lack local employment history…or your income is hard to prove… or you have another house for sale… or you’re stuck in a lease… or you’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, we have several other programs to give you immediate ownership benefits. Our “lease purchase” or “rent to own” program can get you into the home of your choice with a small down payment.

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

Then show off your new home and experience a new sense of pride. You’ll have the 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 their preferred lifestyle because it’s “temporary.” Don’t put up with noisy, unkempt, and sometimes frightening neighbors. Or inefficient heating systems or poor maintenance. Or undesirable schools. Or rising crime rates. Or what about the landlord who shows up with little or no notice… even entering your home without your knowledge?

When you’re in a home of your own, you have more freedom and peace of mind. You deserve 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 with uncooperative landlords. Stop getting by in a house that’s too hard to maintain. And stop spending your hard-earned money on rent when all you have at the end of the year is a pile of receipts.

Quickly qualify for the best mortgage

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

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

Another way we can help is to refer you to a professional mortgage broker who’ll examine your current income, credit and debts. Then they can tell you what’s available now or in the future. They’ll give you suggestions and a plan putting you in the best position to get approved. No longer will getting a new loan be a mystery. Having time and a plan to work on your financial situation can 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 do not have the opportunity you have right now. Let us help you buy a nice home sooner than you expect. Get on our Buyer’s List today! Let’s see if we have an attractive home now that fits your budget and lifestyle. A home you can move into quickly and easily, with or without bank qualifying… with or without a down payment.

Wouldn’t it be great to build equity WHILE you rent?

Have you been declined for a Mortgage?

You have probably seen that banks only lend money to those who don’t
need it. When you have the cash, they tell you that your credit score’s
not good enough…When you have a good credit score, then you don’t
have the cash!!

What’s the solution?

Have You Considered “Rent to Own”?

Just take a look at some of the benefits:
1. You could earn equity each month, simply by paying rent.
2. There is no bank qualifying required to get started.
3. You only need 3-5% down payment in some instances.
4. You get to “test-drive” the home and check out the neighborhood
before you commit to buying…

…And so much more that you NEED to know NOW

How Can REAL SOLUTIONS assist You in making “Rent to Own” work for You?

Are you ready to negotiate the best deal for yourself?
• STOP throwing away money on rent each month, and
• START building equity with each payment you make!
IS REAL SOLUTIONS RENT TO OWN FOR YOU?

Well, that’s a good question. The good news is that it probably is the
easiest way currently to get into the home of your choice with no bank
qualifying and minimal down payment (usually between 3-5% of
the purchase price).

A) Sample property for sale:
o Price of 3 BR, 2 BA home: $150,000.00
o Down payment based on traditional lending: $30,000.00 or 20%: $30,000.00
o Credit history will be checked thoroughly, along with income, job history, etc.
o Past landlords will be contacted and character references may be necessary.

• B) Same property purchased on Rent to Own basis:
o Price: $150,000.00 (possibly higher depending on conditions in your area)
o Down payment or “Option Consideration”(5% – $7,500.00) or ( 3% – $4,500.00 (Depends on the seller)
o Credit history not checked by a bank, so there will be minimal criteria upon which you will be evaluated.

Here it is! The bottom-line?

You get to move into your dream home for minimal outlay, no bank
qualifying, and best of all, usually your option consideration is
applied to the down payment when the option is exercised (when you
purchase the home). Also, depending on the figures of your actual deal,
you are also entitled to a rent credit each month. This is applied to
the purchase price of the home. Now you are building equity with each
rent payment.

Let’s get started with the nuts and bolts of Rent to Own!

Looking for that dream home but cannot qualify for a home loan?

If you have run into some financial, credit or employment hurdles and looking to replant your roots, then our rent to own program is perfect for you.

With our exclusive rent to own program you will experience:

• Our home finder program- We take your most important aspects of the home you want and we search high and low through our expansive network to dig up home that most closely match your needs. We do the work so you don’t have too.
• Monthly rental credits- Each month a portion of your monthly rent will be applied towards the purchase of your home.
• Credit cleaning- We will put you in direct contact with a credit cleaning company that will help you remove negative marks on the report. They will also counsel you on how to maintain great credit.
• Owner back ground check- Much like a normal back ground check but in reverse. We make sure the home owner is really the owner on the title and is not behind on payments. This will avoid any shady sellers looking to take your money and run.
• Staying on track- You will speak with a mortgage loan office to determine the major issues holding you back from home ownership as well as direct us in a purchase time line.

This is your chance to get in a great home and to take your life back. We have few basic requirements everyone of our rent to own buyers will need to meet:

• Verifiable employment or source of income. Self employed people are welcome with bank statements showing monthly deposits.
• No criminal history
• Down payment of 3.5%-10%. This will vary per property. This amount is applied towards your eventual purchase.

Please fill out our rent to own buyers notification list or fill out the contact us form to be contacted right away to start your journey to home ownership.

The main reason most rent to own programs or
lease options fail is they are inherently set up to. Many of the buyers
we work with need time to build up a down payment to close with
traditional financing, in fact, this is one of the key benefits of
renting to own.

While many sellers might offer first
month’s rent and a $1,000 option fee, to “rent to own”, or even “50%
rent credit”, these scams do not work and will leave you without the
real rent to own program requirements handled to buy your home.

 Minimum Down Payment Requirements

Minimally, you will need a 3.5% down payment ($7,000 on a $200,000
home) to qualify for a mortgage during the lease option term. 3.5% of
the home’s purchase price is the minimum down payment required the
Federal Housing Authority which insures 90% or more of the mortgages in
today’s lending climate. Minimum down payment requirements for most
conventional lenders are 5% to 10% of the home’s purchase price
($10,000 to $20,000 on a $200,000 home) but offer more attractive
interest rates and financing options.

Putting more money down ultimately increases your financing options
including owner financing. If you are able to put 10% of the home’s
purchase price down ($20,000 on a $200,000 home) in most cases you can
own your home from Day 1 and enjoy all of the tax benefits of owning
your own home as well as streamlined refinance options.

If you’re unable to put the minimum amount down today that’s OK. Rent
credits can be used to build your down payment up the 3.5% minimum
during the first year of your option term.

Credit Requirements and Maximum Option Term

Most buyers can qualify for traditional financing within 12 – 24 months
when established under a legitimate rent to own program. However, no
two buyers are alike which is why we go to great care to evaluate your
current credit and financing situation before finding the
perfect home for you.

By carefully evaluating your situation in advance you can be sure that
you’ll have ample time to work on your credit or other financing issues
keeping you from owning your own home.

If you are in a situation where you want or need an option term longer
than 24 months then putting more money down will “buy” the term you
need. As an example, it is not uncommon for owner financing contracts
to be for periods of 3-5 years before being required to refinance.

Find out answers to other common Rent to Own Questions.

Have a question that we haven’t answered, contact us Here:

What is a “lease option”?

Also known as a “lease to own”, “rent to own”, or “lease purchase option”, a lease option is an arrangement where you rent a house and pay upfront ‘option consideration’ to have the exclusive right to purchase it at a later date. A lease option allows you to ‘try before you buy’, and gives you time to build a down payment, improve your credit, and ease into home ownership

How do I qualify?

In order to qualify for one of our houses, you will need to be able to afford a reasonable down payment, have the ability to make monthly payments on time, and have a willingness to improve your credit situation so you can ultimately buy the home. That’s about it. We want to set you up for success in a home that is truly affordable, so we will want to see that your gross monthly income is at least three times the monthly payment amount.

What if I have bad credit?

Don’t let your prior credit dings keep you from moving into the home of your dreams now. If you have bad credit, all that we ask is that you have a willingness to improve your credit score so you can qualify for a loan at the end of the lease period. We have several resources to help you achieve this goal.

What if I don’t have the required option consideration (down payment)?

Qualifications are:

1. Able to speak clear English.
2. Be communicable.
3. Like talking to people (about their house for sale).
4. Able to turn in a minimal performance per week (at least 10 completed sheets).
5. Be able to search online and offline for “For Sale By Owner” ads, and keep
track of those you called for future weeks.

Please do not apply if you do not possess all of these qualifications.

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