Bruised or Bad Credit?
You can still Get a Great Loan.

WARNING to All Renters:

Right now, as we speak, other people just like you are SAVING thousands of dollars by renting to own nice homes in nice areas. (And moving into the home that should be yours!)

Stop Throwing Your Money Away on Rent and Rent to OWN Your Next Home With No Credit or Bank Qualifying!

What if we told you that in the next WEEK you could RENT TO OWN a home in the area you want with NO BANK QUALIFYING? It's true. It doesn't matter what your credit is like or how many times you've been told NO!

Does this sound like you?

• Not Enough Down Payment?
• Problems with Credit?
• Recently Switched Jobs?
• Can't Afford Closing Costs?
• Prior Bankruptcy?
• Prior Collections?
• Self-Employed?

These are the kind of problems that MOST mortgage lenders, realtors and home sellers say NO to. Not us, we say BRING IT ON. Rent to own or lease option your home with us! It's EASY!

First, we're not a bank so we don't have the same rules as the banks. We're not realtors or mortgage brokers either so we don't charge any fees or commissions.

What we do is offer owner financed, lease purchase, or rent to own homes in the areas you want.

We specifically look for nice rent to own homes in nice areas.

All it takes to qualify for most of our rent to own homes is some cash and the ability to make your monthly payment on time. Meet those requirements and you can be in your new home in a MATTER OF DAYS.

If you've been looking for a home or a realtor or a loan to buy a home, you may be feeling pretty frustrated right now. Maybe even embarrassed and a little hopeless. As Eleanor Roosevelt said, "Don't ever let anyone make you feel inferior without your consent!" Take back your pride, sit up straight and let me tell you EXACTLY how you are going to make them EAT THEIR WORDS.

You CAN Buy a Home and Here's How.

Click Here to Check out Available Properties FREE right NOW!

We make it easy to rent to own a home because EVERYONE should be able to experience the American Dream. Banks and traditional mortgage companies make it difficult because they have to answer to stockholders and a board of directors. They look at a risk profile instead of the person. If you're a risk to the banks then you either have to pay a HUGE down payment or get RIPPED OFF on the interest rate!

We have no stockholders to answer to and we wouldn't know a risk profile if it were blocking our driveway. We rent to own homes every day, all across the country to people JUST LIKE YOU.

Thinking this is too good to be true? Thinking NO WAY would anyone ever take a chance on you? Quit thinking that way!

How Does Rent to Own Work?

It's simple really. You know how some people rent to own their furniture or TV's? Or even lease their cars? It's the same thing! They make a down payment, pay an agreed upon monthly payment and at the end of their lease term have the option to buy the couch or TV or car for an agreed upon price.

Rent to own is another way to say "lease option." It means you are given the right or option to buy a home after a certain period of time. That is the main difference between you and a renter. A renter has no rights to the house when the lease is up. They can either move or renew the lease. Rent to own is the same as a home for rent with option to buy.

When you rent to own, you pay option money (a "down payment"). But what you're buying is the right at the end of your lease to buy that home and the equity you've built up in it while living there.

How much do you have to pay? Well, look at the area and type of home you want. What are they renting for right now? That home, when renting to own, would be about 10% more per month and the option money would be 3-10 times the amount of the monthly "rent." Say What?

Here's How You Can Buy TODAY:

You want to rent to own a 3 bedroom, 2 bath home in Birmingham, Alabama. In the Birmingham Post (just an example - I don't really know what it's called) you see that houses like that are renting for $1000 a month. That's just for a regular rental. If you were to rent to own that same house, it would rent for $1100 (10% above the regular rental rate) and you would need option money (like a "down payment") of at least $3,300 to $11,000 depending on the demand for rent to own homes in Birmingham.

All areas are different, but usually, it's somewhere in between, like 3 - 5 times the monthly rent.

Click Here to Check out Available Properties FREE right NOW!

The Rent to Own Lingo Decoder

Like everything else that's cool, rent to own comes with its own lingo. Here are some words you'll hear and what they mean.

Option Term:
This is the amount of time you get to exercise your option, or buy the house. Most sellers will agree to 2 - 3 year options. Some will agree to longer. The longer you can get the better for you in most cases because the longer you are in that home, the more equity you build. This can be where you make out the most financially on your rent to own home.

Rent Credit:
A rent credit is the percentage of your rent every month that is applied to the purchase of the home. It's usually about 5-20% of your rent each month. So, for every $100, let's say, you get a $20 credit toward your down payment. Free money - pretty cool.

Option Price:
You lock in the price of the home in your initial agreement with the seller. What you do in most cases is split the equity earned in the time you're renting the home with the homeowner. So, let's say the home is appreciating 10% per year. If you get to keep 3% and the seller keeps 7%, then you've captured 3% appreciation each year!

So a few years later (three to be exact) you have a rent to own agreement that states you have an exclusive option to buy the house for $115,000 - but it's now worth $126,000. That's $11,000 in equity you captured!

What do you think will happen when you go to the bank to get a loan THIS time? You'll be treated like gold because you have $11,000 into the house already PLUS the option money and rent credits. Now who has the last laugh? Ah ha ha ha ha! (That's you laughing)

Click Here to Check out Available Properties FREE right NOW!

Why "Rent to Own"?

Want to know EXACTLY what's in it for you? Good for you!

• No More Throwing Away Money on RENT!
  When you make a monthly payment on your rent to own home you have the SATISFACTION of knowing that you are building equity instead of throwing your money away. It's almost like paying yourself!
• Credit Problems Do Not Matter!
  Rent to own is NOT credit driven. We don't care if your credit score is 702 or 207 - it's all the same to us.
• Buying Power is Drastically Increased
  The mortgage payment on homes is sometimes way more than that house could rent for. So your buck buys more house on a rent to own.
• Option Consideration is Credited Toward the Purchase of Your Home
  No crazy deductions from a security deposit at the end of a lease to worry about. When you buy your rent to own home, every penny of your option consideration, or downpayment, is credited to you at closing.
• Minimum Cash Out of Pocket
  When you get a traditional loan you have to pay closing costs PLUS up to 2-3% in additional fees and charges! Not when you rent to own.
• Sales Price Is Locked In
  You are locking in the price of your home TODAY not three years from now when you buy!
• Profits from Appreciation
  When you go to buy in 2 or 3 years, you'll already have built in equity due to appreciation! You're so smart.
• Faster Equity Growth
  On a traditional loan, the first couple of years ALL your payment goes to interest. On a rent to own, you build equity through rent credits from DAY ONE!
• You get to Keep the Value You Add to the Home
  When you add a deck to your rent to own home, you're improving the value of YOUR home. Try that with a regular rental. Not!
• No Taxes, Less Liability
  
Until you exercise your option to buy, the seller is responsible for property taxes.
• Quick Move in Time
  You don't have to wait until it's convenient for a bank and a realtor to close on your house. You can move in after signing a few documents and handing over a check!
• No Lengthy, Embarrassing Mortgage Approvals
  Don't spend weeks trying to get approved for a loan. Rent to own your home today and we'll work on preparing you to buy together.
• Minimal Maintenance
  Until you exercise your option to buy, the seller is responsible for most major repairs and maintenance.
• Pride of Ownership
  Holidays, special occasions and get togethers are even MORE SPECIAL when they're in your OWN HOME! Invite the family and friends to see the home you just BOUGHT!

Click Here to Check out Available Properties FREE right NOW!

Still Not Convinced?

Geez! You are tough! Here's a list of frequently asked questions from our
other clients.