Services

Owner Financing:

Low down payment requirements
Low interest rates
Superior home quality
Over 30 years of real estate experience
Over 15 years experience with seller financing
Service after the sale for up to one full year

If you need financing, we offer two plans:

A real purchase with seller financing. A down payment of
$5,000 or more is required. Since this is a real purchase,
there will be closing costs. The closing costs include the
closing attorney's fee, plus a 1% origination fee, plus the
first year's homeowner's insurance.

Note: this is relatively short term financing. Financing is
available for two years with a two year extension if
needed. If you are fairly certain that you will not be able
to refinance within 4 years, longer term financing is
available, however the interest rate will be substantially
higher than our regular rates.

The second plan is a lease with an option to buy, also
know as, a lease purchase option. It does require the
payment of an Option Fee of $3,500 or more. This plan
requires less cash and no closing costs. The Option Fee
can be used as part of the down payment when you
purchase, however it is not refundable if you don't
purchase the home. With the lease purchase option, you
have 12 months to convert to a purchase. You can
finance with us or you can finance with the bank or
mortgage company of your choice. If you finance with
us, an additional down payment will be required.

Trades:

Many home owners find it easier to trade homes than to
sell their own home and then buy another. It works a lot
like trading cars. Most of us find it easier to trade cars
than to go to the trouble of selling our car and then
buying another. We offer at least 80% of the value of
your home as trade-in value. If your home is in excellent
condition, in a desirable location, and if we can take over
payments on your loan, without the trouble of getting a
new loan and closing costs, we can pay up to 90% of
value. If you sell your home by using a realtor, the
realtor's fee and closing costs could easily exceed 10%.

Buying:

In order to sell, we must buy. Let us make you an offer.
We have a reputation of paying more than other buyers.
If your home is in good condition, in a desirable location,
and if we can take over payments on your loan, our offer
will be top dollar.

Renting:

Primarily we're in the business of helping people become
home owners, and all our homes are for sale, but we are
willing to rent some properties. If we don't have what
you need, maybe we know someone who does.