We offer owner financing where we can sell you the home without you having to qualify at a bank. 

We are very flexible with down payment. We can offer you many options, and we will always do our best to work with whatever funds you have available. You can even start out on a lease purchase and then move to owner financing at a later date when you have the additional money.

Yes we do. A lot of times if you are a bit short on down payment we can set up a monthly payment plan spread out over 6-12 months.

Unlike most lending institutions, we accept borrowed funds for closing. If you have a close friend or relative willing to lend you money for your down payment you can use that in our program. You may also be eligible to withdraw or borrow from your 401K to purchase a home without penalties. We also accept trades.

We can lease you the home with the exclusive right to purchase it at a later date. Our buyers love it because it gives them time to save up for a larger down payment; time to clean up past credit problems, time to sell another home, and also time to try out the neighborhood before buying. We are obligated to sell to you, however you are not obligated to buy. 100% of your option fee / down payment is credited towards the purchase price of the home, plus you could possibly receive a $100 credit of the monthly payment towards the purchase price every month you pay your lease on time.

We are flexible with our terms to meet your needs. Typical interest rates range from 7.5% to 9.5% depending on down payment and application. All credit is accepted and applications are necessary to verify income and employment.

All we need is your application. You can even fax it in for faster processing! We will then contact you within 24 hours once we verify income and employment. Please keep in mind that our homes sell quickly so time is of the essence. Fill out application (add link to the lease option application).