BUYING YOUR OWN HOME OR INVESTMENT REAL ESTATE WITH BAD CREDIT AND NO DOWN PAYMENT

The bankers and real estate agents won’t even talk with you because you have no credit, bad credit, bankruptcy or you’re self-employed and, because you use the legal tax benefits afforded you, you show no income. We can help.

This is not a joke. We can get you in a home even though you have financial troubles. In the last 9 years we have helped thousands of people to buy homes throughout the United State, Canada, Puerto Rico, Australia, Ireland and England. You can too.

If you can pay the taxes and insurance, make the house payment, and satisfy a refundable contingency fund, we can get you in a home you want. No bank qualifying, no gimmicks.

WHAT YOU GET NOW

  1. Ownership rights to the property in the holding system. Unlike a straight lease option, where you have no ownership to the property until you exercise your option and get your own financing.
  2. Occupancy. Move in now and finance it later. We close and record the transaction on title with the same reputable companies used by the real estate agents and other real estate professionals in the area.
  3. We share the future appreciation with you whether you finance the real estate or not. If you need to move for a job or other situation you still get the benefit of the transaction.
  4. Income tax benefits. Paying too much to Uncle Sam? With the help of your tax professional you can deduct your house payments this year. This alone will give you more spendable income to purchase a nicer home.
  5. Contingency fund can be 100% refundable as per the agreement. Unlike an option consideration payment that is forfeited if you do not buy the property.
  6. No party can jeopardize the title or the property. Ownership is shielded from public view until you get your credit, liens, judgments, and personal problems cleaned up and get your own financing.
  7. Your on time payments provide a track record for you to refinance the home instead of initiating a new loan. This seasoning process makes it easier and less expensive for you.
  8. With our equity share program, you build up the down payment for your financing automatically. This is free money for you.
  9. Your on time monthly payments are protected in a trust account so that you are assured the monthly payments are being paid directly to the mortgage on the property and not to the seller’s hip pocket, where you lose the property because of a dishonest seller. This is a very common problem with a typical lease option.
  10. We train you to find the property that you can afford, and that you would like to purchase.
  11. Make extra money now with our referral program.
  12. We give you directions to help you make extra money in addition to your employment.

HOW IT WORKS – WHAT YOU NEED TO DO

  1. This will take work on your part. For most of the people we help, this is a 24 month process. It will be important for you to follow through with your training to complete the transaction.
  2. You will need to participate in a credit repair program to take care of your past financial problem and to increase your credit scores. You will be working with our professionals that specialize in getting you refinanced on your home.
  3. We will not buy you a home if you cannot afford to pay the property taxes, insurance, and the monthly payment.
  4. Payment Formula: Take the gross monthly payment amount that you can afford to buy a home. Subtract the taxes and the insurance and the remaining amount will be 1% of the current market value. This is the price of a home that you will be able to afford when you refinance the home. Example: You can afford $1500.00 a month for a house payment. The taxes are $100.00 a month and the insurance is $60.00 a month. You now subtract $160.00 from the $1500.00 with a balance of $1340.00. $1340.00 is 1% of $134,000.00. $134,000.00 will be the current market value of a home that you can afford. You may only be able to afford a condo, townhouse or a manufactured home in the beginning, but this will give you all of the benefits of owning a home now and give you appreciation and principle buy down to have money to put towards a nicer home in the future.
  5. We will teach you how to find a property you want, that you can afford to purchase. We also have different combinations, other than the above formula, that will allow you to buy a nicer home now.
  6. You Will Need to contribute to a contingency reserve: This is not an option consideration or a down payment. This is refundable within the terms of the agreement that you have with us. You can use cash, funds from retirement accounts without a penalty, equipment, guns, automobiles and recreational vehicles with a title, etc. If you have other suggestions we are flexible. Typically the contingency reserve will be equivalent to three payments and closing costs.

If you would like us to get you in a home, complete the following registration and we will contact you for a personal interview.

Contact Information
What are you interested in purchasing?

(House, Condo, Townhome, etc.)
Contingency Reserve (refundable under contract conditions)

(ie. 401k, IRA, Credit Cards, etc.)

(ie. Vehicles w/Title, Tools, Precious Jewelry, Firearms, etc.)

Success Story

Patty from York, South Carolina has acquired a stunning $1.8 million in real estate in 10 months! She has 6 properties, and has accumulated $700,000 in cash and equity. Also, while she waits for her properties to turn over, she is making $1600/month in positive cash flow, paying her own mortgage and allowing her to live for free!
Read More Successes