1. My credit is not good (mistakes from my youth),  does my eligibility depend on how good my credit is?

Your current job and your option fee amount are your credit.  We are not concerned about what happened 5 years ago!

2. My experience with Rent-to-Own Programs is that they tend to have smaller older houses that are not in good shape.  What kind of homes do you offer?

We offer good quality homes in good neighborhoods at good prices.  We take great pride in our properties.  Our homes will generally fall into THREE categories:

We sometimes have homes that are BRAND NEW CONSTRUCTION!  These are new homes that have never been lived in and offer a builders warranty.

Some homes are completely renovated inside and out  with new carpet, fresh paint inside and out, new kitchens and baths, etc.

Lastly, some of our homes are lightly renovated with new carpet and paint in some areas and professionally clean the entire home so you can move right in. 

Most properties come complete with a stove, dishwasher, refrigerator, and sometimes a microwave oven and central air.  ALL our properties are in MOVE IN condition.

3. Can you help me if I have a foreclosure or bankruptcy on my credit record?

Yes, we can help you if you have experienced a bankruptcy or a foreclosure.  We can help you if you have any type of negative credit history or no credit history at all.

4. How much house can I afford?

Although we do have some guidelines to help you, we really feel that this is more up to you than it is up to us.  For many families, owning a home is important enough to make sacrifices in other areas.

How much you can afford also depends on your other expenses.  Part of the application process will help you to determine if you can comfortably make the monthly payments.  However, our restrictions are not as strict as most lenders.  However, a general rule of thumb is, your expenses shouldn't exceed 25%-33% of your gross income. 

So, if you and your spouse/partner earn $60,000, then you can afford $15,000 - $19,800 per year in house payments or a $1,250 - $1,650 per month house payment.